# InsuraCareLife

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## Posts

- [Understanding the Low-Cost Installment Process for a 5-Year Insurance Plan](https://www.insuracarelife.com/blog/installment-process-insurance-plan/): Introduction to Insurance Installments Insurance policies play a critical role in managing risk and providing financial security. One facet of these policies that has gained traction is the low-cost installment process. This method of payment allows policyholders to spread their insurance premiums over a longer period rather than paying a lump sum upfront. Such an […]
- [The Fast Track to Commercial Property Insurance: A Step-by-Step Guide](https://www.insuracarelife.com/blog/fast-commercial-property-insurance/): Understanding Commercial Property Insurance Commercial property insurance is a critical component of risk management for any business. It provides financial protection against various types of losses that can arise from damage to physical assets, including buildings, machinery, equipment, and inventory. The primary purpose of this insurance is to safeguard a company’s assets against risks such […]
- [Quick Guide to Getting Motorcycle Insurance in New Jersey Without Hassle](https://www.insuracarelife.com/blog/motorcycle-insurance-in-new-jersey/): Understanding Motorcycle Insurance Requirements in New Jersey Motorcycle insurance is not only a legal requirement in New Jersey, but it also serves to protect riders from the financial ramifications of accidents or damage to their motorcycles. To comply with state law, every motorcycle operator must carry a minimum level of insurance coverage. The state mandates […]
- [Understanding Insurance for Funeral Expenses: A Comprehensive Guide](https://www.insuracarelife.com/blog/insurance-for-funeral-expenses/): Insurance for Funeral: Planning for the future is an essential aspect of financial stability, yet many overlook the costs associated with end-of-life arrangements. Funerals can be expensive, with the average cost ranging between $7,000 and $12,000 in the United States. This financial burden often falls on grieving families during an emotionally challenging time. Thankfully, insurance […]
- [Affordable Renters Insurance: Your Essential Guide for California Apartments](https://www.insuracarelife.com/blog/renters-insurance-guide-for-california/): Understanding Renters Insurance Affordable Renters insurance is a type of insurance policy specifically designed to protect individuals renting their living spaces, such as apartments or houses. This policy provides coverage for personal belongings against unforeseen events, including theft, fire, vandalism, and other incidents that may lead to loss or damage. In addition to protecting personal […]
- [Navigating Family Health Insurance Plans: How to Calculate Your Premium Online](https://www.insuracarelife.com/blog/family-health-insurance-plans/): Introduction to Family Health Insurance Family health insurance plans play a crucial role in safeguarding the well-being of families by providing coverage for medical expenses incurred by all members. These plans are designed to accommodate the healthcare needs of entire families, making it easier to access necessary medical services without incurring overwhelming out-of-pocket costs. Families […]
- [Understanding Loan Insurance: What Does It Cover?](https://www.insuracarelife.com/blog/loan-insurance-what-does-it-cover/): Introduction to Loan Insurance Loan insurance serves as a financial safeguard for both borrowers and lenders during the course of a loan agreement. Essentially, it is a policy designed to cover potential risks associated with loan defaults or other unforeseen circumstances. By providing such a safety net, loan insurance ensures that the lender can recover […]
- [Mercury Insurance vs. Investopedia: Which is the Better Choice for Your Insurance Plan?](https://www.insuracarelife.com/blog/mercury-insurance-vs-investopedia/): Introduction to Insurance Options Insurance is a crucial component of financial planning, providing individuals and families with essential protection against unforeseen events. It serves as a safety net, helping to mitigate risks associated with accidents, health issues, property damage, and other potential liabilities. Effectively managing these risks is pivotal for long-term financial stability and peace […]
- [No Deposit Insurance Same Day: How to Get Cheap Insurance with $0 Down](https://www.insuracarelife.com/blog/no-deposit-how-to-get-cheap-insurance/): Understanding No Deposit Insurance No deposit Cheap insurance refers to a type of coverage that allows individuals to obtain insurance without making an upfront payment. This innovative financial arrangement enables policyholders to secure necessary protections for their assets or health while deferring the initial payment of premiums. Such arrangements can vary by provider and the […]
- [Understanding the Difference Between Term and Permanent Life Insurance](https://www.insuracarelife.com/blog/difference-between-term-and-permanent-life-insurance/): Introduction to Life Insurance Life insurance is a financial product designed to provide monetary support to beneficiaries upon the policyholder’s death. Its primary purpose is to enhance financial security, ensuring that loved ones are not burdened with financial instability during an already challenging time. Life insurance plays a crucial role in risk management by allowing […]
- [Getting Insurance in the United States](https://www.insuracarelife.com/blog/a-comprehensive-guide-to-getting-insurance-in-the-united-states/): Understanding Insurance Basics Insurance is a financial mechanism designed to protect individuals and families against unforeseen risks and losses. At its core, insurance involves the transfer of risk from an individual or entity to an insurance company, which in turn provides financial reimbursement in the event of a loss. This process typically requires the policyholder […]
- [Essential Tips for Shopping for Homeowners Insurance](https://www.insuracarelife.com/blog/essential-tips-for-shopping-for-homeowners-insurance/): Understanding Homeowners Insurance Homeowners insurance is a vital form of protection for individuals who own residential properties. Its primary purpose is to safeguard homeowners from financial loss associated with their property and possessions. This insurance typically covers a range of risks such as fire, theft, vandalism, and certain types of natural disasters, ensuring that homeowners […]
- [How to Buy Life Insurance Online: Step-by-Step Guide to Finding the Right Policy](https://www.insuracarelife.com/blog/how-buy-life-insurance-online-policy/): Understanding Life Insurance Basics Life insurance is a contractual agreement between an individual and an insurance provider, wherein the insurer offers a monetary benefit to the policyholder’s beneficiaries upon the policyholder’s death. This financial product is designed to provide financial security and peace of mind to families and loved ones during times of grief. It […]
- [Buy Business Insurance Online: Get Quotes in Minutes in 2024](https://www.insuracarelife.com/blog/buy-business-insurance-online-get-quotes-in-minutes-in-2024/): Introduction to Business Insurance Business insurance serves as a critical mechanism for safeguarding enterprises against a variety of risks and liabilities that could potentially undermine their operations. Defined broadly, it is a policy designed to protect business owners from unforeseen events that can cause financial losses. These can range from natural disasters and theft to […]
- [Navigating Motorcycle Insurance: Key Coverage Options and Cost Breakdown](https://www.insuracarelife.com/blog/navigating-motorcycle-insurance/): Motorcycle insurance is a critical component for any rider, whether you’re a seasoned motorcyclist or a new enthusiast. Just as with car insurance, motorcycle insurance helps protect both you and others in the event of an accident, theft, or damage to your bike. However, unlike car insurance, motorcycle insurance has a number of unique elements […]
- [Essential Vacation Home Insurance Tips: Protecting Your Getaway Property](https://www.insuracarelife.com/blog/essential-vacation-home-insurance-tips/): Owning a vacation home can be a dream come true. It offers a private retreat where you can relax, recharge, and create lasting memories with family and friends. However, owning a second property also comes with certain responsibilities—especially when it comes to protecting that property. While you may have homeowners insurance for your primary residence, […]
- [Understanding Business Owners Policy (BOP) Insurance and How to Obtain It](https://www.insuracarelife.com/blog/business-owners-policy-bop-insuranc/): What is a Business Owners Policy (BOP)? A Business Owners Policy (BOP) is an insurance solution specifically designed for small to medium-sized businesses, providing a comprehensive approach to risk management. By bundling various types of insurance coverage into a singular policy, a BOP offers business owners a streamlined, cost-effective way to secure essential protections against […]
- [Understanding Condo Insurance: Meaning, Benefits, and Quick Acquisition Process](https://www.insuracarelife.com/blog/condo-insurance-meaning-benefits/): What is Condo Insurance? Condo insurance, often referred to as an HO6 policy, is a specialized form of property insurance designed to protect condominium owners. This type of insurance covers the interior of the condominium unit, including personal belongings, improvements made to the property, and specific liabilities associated with unit ownership. Unlike a traditional homeowners […]
- [How to File a Home Insurance Claim in Nevada: Step-by Guide?](https://www.insuracarelife.com/blog/file-a-home-insurance-claim-in-nevada/): Filing a home insurance claim in Nevada can seem overwhelming, especially when you’re dealing with damage to your home or property. However, understanding the process and knowing what to expect can help make the experience smoother and faster. Here’s a step-by-step guide to filing a home insurance claim in Nevada: 1. Review Your Home Insurance […]
- [Reducing Your Car Insurance Costs Without Sacrificing Coverage](https://www.insuracarelife.com/blog/reducing-car-insurance-costs/): Understanding Car Insurance Car insurance serves as a contract between a vehicle owner and an insurance company, providing financial protection against physical damages and bodily injuries resulting from car accidents. It is essential for all drivers to have a thorough understanding of how this insurance operates to make informed decisions that can assist in identifying […]
- [How to Get a Life Insurance Policy in Ohio: High Review Rating](https://www.insuracarelife.com/blog/how-to-get-a-life-insurance-policy-in-ohio-high-review-rating/): Understanding Life Insurance Life insurance is a contractual agreement between an individual and an insurance company that provides financial protection to the policyholder’s beneficiaries upon their passing. This form of insurance plays a crucial role in securing financial stability and peace of mind, ensuring that loved ones are not burdened with financial difficulties during a […]
- [Understanding Workers' Compensation Insurance in Massachusetts: Full Guide 2024](https://www.insuracarelife.com/blog/understanding-workers-compensation-insurance-in-massachusetts-full-guide/): Introduction to Workers’ Compensation Insurance Workers’ compensation insurance in Massachusetts serves as a crucial safeguard for both employees and employers within the workforce. This type of insurance is designed to provide financial compensation and medical benefits to workers who experience work-related injuries or illnesses, ensuring that they receive appropriate care while alleviating the financial burden […]
- [Finding Affordable Auto Insurance for Off-Road Hobbyist Vehicles](https://www.insuracarelife.com/blog/finding-affordable-auto-insurance-for-off-road-hobbyist-vehicles/): Introduction to Off-Road Hobbyist Vehicles Off-road hobbyist vehicles encompass a diverse range of motorized machines designed for use beyond conventional paved roads. These vehicles are engineered to tackle rugged terrains, such as dirt trails, rocky paths, and muddy landscapes. Common types of off-road vehicles include all-terrain vehicles (ATVs), dirt bikes, dune buggies, and 4×4 trucks. […]
- [Finding Affordable Pet Insurance that Covers Pre-existing Conditions](https://www.insuracarelife.com/blog/finding-affordable-pet-insurance-that-covers-pre-existing-conditions/): Introduction to Pet Insurance Pet insurance is a form of medical coverage designed specifically for pets, similar to health insurance for humans. It serves the important purpose of alleviating financial burdens that pet owners may face when seeking veterinary care for their animals. With the rising costs of veterinary services, many pet owners are realizing […]
- [Navigating Car Insurance Without a Paper Trail: What You Should Know](https://www.insuracarelife.com/blog/navigating-car-insurance-without-a-paper-trail-what-you-should-know/): When it comes to purchasing car insurance, most people expect to provide a variety of documents, such as a driver’s license, proof of ownership, and vehicle registration. However, there are circumstances where individuals may need car insurance without the typical paperwork, such as when they are new to driving, have lost documents, or are purchasing […]
- [Comprehensive Guide to Insurance: Home, Auto, and Business](https://www.insuracarelife.com/blog/comprehensive-guide-to-insurance-home-auto-and-business/): Introduction to Insurance Insurance is a vital financial tool designed to protect individuals and businesses from potential losses or damages. It operates on the principle of risk management, allowing policyholders to transfer the financial risk of unforeseen events to an insurance provider in exchange for regular premium payments. This mechanism aids in safeguarding assets and […]
- [Best Insurance in NJ: Top-Rated Companies You Should Consider](https://www.insuracarelife.com/blog/best-insurance-in-nj-top-rated-companies-you-should-consider/): Introduction to Insurance in New Jersey Insurance is an essential component of financial planning for individuals and businesses, serving as a safety net against unforeseen risks. In New Jersey, the insurance landscape is shaped by a variety of factors, including state regulations, the diversity of the population, and the unique needs of its residents. The […]
- [Understanding Endowment Life Insurance: Policies and Benefits](https://www.insuracarelife.com/blog/understanding-endowment-life-insurance-policies-and-benefits/): What is Endowment Life Insurance? Endowment life insurance is a unique form of life insurance that blends both life coverage and a savings plan, making it distinct from traditional term and whole life insurance policies. Unlike term insurance, which provides coverage for a specified period, and pays out only if the insured passes away during […]
- [The Rise of Instant Car Insurance Providers: What You Need to Know](https://www.insuracarelife.com/blog/the-rise-of-instant-car-insurance-providers-what-you-need-to-know/): Understanding Instant Car Insurance Instant car insurance refers to a modern approach to obtaining car insurance policies quickly and with minimal hassle. Unlike traditional car insurance, which may require multiple steps including paperwork, interviews, and potentially long waiting periods, instant car insurance allows drivers to secure coverage almost immediately. This on-demand coverage is facilitated by […]
- [Do You Need Long-Term Care Insurance? Understanding Your Options in 2024](https://www.insuracarelife.com/blog/do-you-need-long-term-care-insurance-understanding-your-options-in-2024/): Introduction to Long-Term Care Insurance Long-term care insurance (LTCI) is a specialized insurance product designed to cover the cost of long-term care services, which may not be covered by conventional health insurance. This form of insurance is primarily aimed at individuals who require assistance with daily living activities such as bathing, dressing, eating, and managing […]
- [Understanding Final Expense Insurance for Seniors Over 85 in 2024](https://www.insuracarelife.com/blog/understanding-final-expense-insurance-for-seniors-over-85-in-2024/): Introduction to Final Expense Insurance Final expense insurance for seniors is a specific type of coverage designed to alleviate financial burdens associated with end-of-life expenses. As individuals age, particularly those over 85, the significance of having a financial plan in place becomes evident. This insurance is crafted to ensure that funeral costs, medical bills, and […]
- [Understanding Liability Insurance: How It Works and Its Major Types](https://www.insuracarelife.com/blog/understanding-liability-insurance-how-it-works-and-its-major-types/): Introduction to Liability Insurance Liability insurance is a vital component of risk management strategies for both individuals and businesses. It serves as a financial safety net, protecting policyholders from potential legal claims and lawsuits that may arise from their actions or negligence. The primary function of liability insurance is to provide coverage against claims of […]
- [Universal Life Insurance vs Whole Life Insurance: A Comprehensive Comparison](https://www.insuracarelife.com/blog/universal-life-insurance-vs-whole-life-insurance-a-comprehensive-comparison/): Introduction to Life Insurance Life insurance serves as a crucial financial tool designed to provide security and peace of mind for policyholders and their beneficiaries. The primary purpose of life insurance is to offer a financial safety net in the event of the policyholder’s untimely death. By providing a death benefit, life insurance helps to […]
- [Allstate Insurance Company vs Patriot Insurance Company: Which is the Best Choice for You?](https://www.insuracarelife.com/blog/allstate-insurance-company-vs-patriot-insurance-company-which-is-the-best-choice-for-you/): Introduction to Insurance Choices Choosing the right insurance company is a crucial decision that can have far-reaching implications for an individual’s financial well-being and peace of mind. Insurance serves as a safety net against uncertainties, protecting one’s assets, health, and overall quality of life. A proper understanding of the various insurance options available influences not […]
- [Understanding Umbrella Insurance: What You Need to Know](https://www.insuracarelife.com/blog/understanding-umbrella-insurance-what-you-need-to-know/): What is Umbrella Insurance? Umbrella insurance is a type of personal liability coverage that provides an additional layer of security beyond the limits of standard home, auto, and other personal insurance policies. Essentially, it acts as a safety net, protecting individuals against significant financial losses that may arise from legal claims or lawsuits due to […]
- [Protect Your Income: The Importance of Short-Term Disability Insurance](https://www.insuracarelife.com/blog/protect-your-income-the-importance-of-short-term-disability-insurance/): Introduction to Short-Term Disability Insurance Short-term disability insurance serves as a financial safety net for individuals who find themselves unable to work due to unforeseen circumstances, such as an illness or injury. This type of insurance is specifically designed to provide income replacement for a limited period, allowing policyholders to manage their expenses while they […]
- [Comparing Safeco and Geico: Which Insurance is Best for You in the United States?](https://www.insuracarelife.com/blog/comparing-safeco-and-geico-which-insurance-is-best-for-you-in-the-united-states/): Introduction to Auto Insurance in the United States Auto insurance serves as a critical component of vehicle ownership and operation in the United States. It not only provides financial protection against the potential costs arising from accidents, but also meets legal requirements mandated by various state laws. The importance of auto insurance cannot be overstated, […]
- [Affordable Flood Insurance Options in Florida: Protect Your Property with Low-Cost EMI](https://www.insuracarelife.com/blog/affordable-flood-insurance-options-in-florida-protect-your-property-with-low-cost-emi/): Understanding Flood Risks in Florida Florida is situated in a unique geographical position that makes it particularly susceptible to flooding. The state is bordered by the Atlantic Ocean and the Gulf of Mexico, and it features a predominantly flat landscape that does not facilitate effective drainage. These factors, combined with a subtropical climate, contribute to […]
- [Affordable Motorcycle Insurance: How to Secure Low-Cost EMI Options](https://www.insuracarelife.com/blog/affordable-motorcycle-insurance-how-to-secure-low-cost-emi-options/): Understanding Motorcycle Insurance Motorcycle insurance is a specialized policy designed to protect riders from various risks associated with operating a motorcycle. It serves as a financial safety net, covering damage to the bike, personal injury, and liabilities incurred during an accident. Obtaining insurance for motorcycle riders is not just a legal requirement in many regions; […]
- [Finding the Best Life Insurance Plan for Your Future in Miami](https://www.insuracarelife.com/blog/finding-the-best-life-insurance-plan-for-your-future-in-miami/): Understanding Life Insurance Life insurance is a financial product designed to provide monetary support to designated beneficiaries upon the policyholder’s death. The primary purpose of life insurance is to ensure that loved ones are financially protected in the event of an untimely demise, covering any outstanding debts, funeral expenses, and daily living costs. This type […]
- [Finding Affordable Commercial Auto Insurance in Los Angeles](https://www.insuracarelife.com/blog/finding-affordable-commercial-auto-insurance-in-los-angeles/): Understanding Commercial Auto Insurance Commercial auto insurance is a specific type of coverage designed to protect businesses that utilize vehicles for operational purposes. This insurance is crucial for companies that own, lease, or hire vehicles to transport goods, services, or employees. In a bustling metropolitan area like Los Angeles, where traffic is congested and the […]
- [Everything You Need to Know About Home Insurance in Needham](https://www.insuracarelife.com/blog/everything-you-need-to-know-about-home-insurance-in-needham/): Introduction to Home Insurance Home insurance is a vital component of homeownership, serving both protective and peace-of-mind functions for homeowners. In essence, home insurance is a contract between the homeowner and an insurance company, wherein the latter provides financial coverage for damages to the home and its contents resulting from specified events. For residents of […]
- [Understanding Vehicle Insurance and Its Impact on Taxes: How to Get a Free Auto Insurance Quote Online](https://www.insuracarelife.com/blog/understanding-vehicle-insurance-and-its-impact-on-taxes-how-to-get-a-free-auto-insurance-quote-online/): Introduction to Vehicle Insurance Vehicle insurance serves as a critical financial instrument for vehicle owners, offering protection against potential risks associated with the ownership and operation of a vehicle. The primary purpose of vehicle insurance is to mitigate the financial burden that may arise from accidents, theft, or damage to one’s car. It acts as […]
- [Homeownership 101: Essential Policy Options Every Homeowner Should Know](https://www.insuracarelife.com/blog/homeownership-101-essential-policy-options-every-homeowner-should-know/): Introduction to Homeownership Policies The concept of homeownership policies encompasses a range of regulations, agreements, and guidelines that govern the purchase, ownership, and maintenance of residential properties. Understanding these policies is pivotal for potential and existing homeowners, as they dictate both rights and responsibilities associated with property ownership. A solid comprehension of home policies is […]
- [A Complete Tips to Get Commercial Property Insurance in Massachusetts](https://www.insuracarelife.com/blog/a-complete-tips-to-get-commercial-property-insurance-in-massachusetts/): Understanding Commercial Property Insurance Commercial property insurance is a vital element for businesses, safeguarding them against financial losses arising from damage to physical assets. This insurance typically covers a wide array of properties such as office buildings, warehouses, retail shops, and manufacturing facilities. The primary purpose of commercial property insurance is to protect businesses from […]
- [Understanding General Liability Insurance: What It Is and Why You Need It](https://www.insuracarelife.com/blog/understanding-general-liability-insurance-what-it-is-and-why-you-need-it/): What Is General Liability Insurance? General liability insurance is a fundamental type of coverage that safeguards businesses against various risks that can lead to financial loss. It primarily offers protection from claims arising due to bodily injury, property damage, personal injury, and advertising injury. The main purpose of this insurance is to ensure that if […]
- [Understanding ATV Insurance: Benefits and Key Insights](https://www.insuracarelife.com/blog/understanding-atv-insurance-benefits-and-key-insights/): Introduction to ATV Insurance All-Terrain Vehicle (ATV) insurance is a specialized form of insurance designed to protect owners and riders from the unique risks associated with operating these versatile machines. As the popularity of ATVs continues to rise, particularly for recreational and off-road activities, the need for tailored coverage becomes increasingly apparent. Unlike conventional auto […]
- [Understanding Condo Insurance: What It Is and What It Covers](https://www.insuracarelife.com/blog/understanding-condo-insurance-what-it-is-and-what-it-covers/): Introduction to Condo Insurance Condo insurance, often referred to as HO-6 insurance, is a specialized type of insurance designed specifically for condominium owners. Unlike homeowners insurance, which covers an entire single-family residence, condo insurance provides coverage for the individual unit and personal belongings within it. This distinction is crucial, as a homeowner’s policy focuses on […]
- [How Much Income Should Go to Health Insurance: A Full Guide](https://www.insuracarelife.com/blog/how-much-income-should-go-to-health-insurance-a-full-guide/): Understanding Health Insurance Costs Health insurance costs can significantly impact your financial well-being, making it essential to understand the various components involved. The main costs associated with health insurance include premiums, deductibles, and out-of-pocket expenses, each playing a crucial role in determining your overall expenses related to healthcare. Health insurance premiums are the monthly payments […]
- [Why Whole Life Insurance is a Smart Investment for Californians](https://www.insuracarelife.com/blog/why-whole-life-insurance-is-a-smart-investment-for-californians/): Introduction to Whole Life Insurance Whole life insurance represents a distinct category of insurance that offers benefits beyond the standard life coverage typically provided by term policies. Unlike term life insurance, which only offers protection for a predetermined period, whole life insurance guarantees lifelong coverage. This means that as long as premiums are paid, the […]
- [What is Long-Term Disability Insurance?](https://www.insuracarelife.com/blog/what-is-long-term-disability-insurance/): Long-term disability insurance (LTDI) is a type of insurance designed to provide financial support to individuals who are unable to work for an extended period due to illness or injury. Unlike short-term disability insurance, which typically covers a few months to a year of lost income, long-term disability insurance offers coverage that can last for […]
- [The Essential Role of Short-Term Disability Insurance for Financial Security](https://www.insuracarelife.com/blog/the-essential-role-of-short-term-disability-insurance-for-financial-security/): Introduction to Short-Term Disability Insurance Short-term disability insurance (STDI) is a vital financial protection tool designed to provide income replacement for individuals who become temporarily unable to work due to a medical condition, injury, or illness. The primary purpose of STDI is to ensure that individuals can maintain their financial obligations, such as housing costs, […]
- [Discover the Best Life Insurance Policies: Your Guide to Smart Coverage Choices](https://www.insuracarelife.com/blog/discover-the-best-life-insurance-policies-your-guide-to-smart-coverage-choices/): Understanding Life Insurance Life insurance serves as a vital financial tool designed to provide monetary support to beneficiaries upon the policyholder’s demise. Its primary purpose is to ensure that loved ones are financially stable even in the absence of the insured individual. By paying regular premiums, the policyholder secures a death benefit that can help […]
- [Accidents Happen: How to Handle Car Insurance Claims Efficiently](https://www.insuracarelife.com/blog/accidents-happen-how-to-handle-car-insurance-claims-efficiently/): Understanding Car Insurance Basics Car insurance is a critical aspect of vehicle ownership, designed to provide financial protection in the event of accidents or damages. Understanding the basics of car insurance can significantly influence how you manage risks related to driving. There are several types of car insurance policies available, each tailored to meet different […]
- [Finding the Best Pet Insurance Company: A Comprehensive Guide to Protecting Your Furry Friends](https://www.insuracarelife.com/blog/finding-the-best-pet-insurance-company-a-comprehensive-guide-to-protecting-your-furry-friends/): Introduction to Pet Insurance The best pet insurance company depends on your needs, but some of the top options as us, Pet insurance is a policy designed to help cover the veterinary expenses associated with your furry companions. As pet ownership continues to rise, an increasing number of pet owners are turning to insurance to […]
- [Rolling with Protection: Why Recreational Vehicle Insurance is a Must](https://www.insuracarelife.com/blog/rolling-with-protection-why-recreational-vehicle-insurance-is-a-must/): Whether you’re planning a cross-country road trip, a weekend getaway, or simply enjoying the freedom of the open road in your RV, having the right insurance coverage is essential. Recreational vehicles (RVs) are more than just a mode of transportation; they’re your home away from home. From the moment you drive off the lot, your […]
- [Flood Insurance: Separating Facts from Myths](https://www.insuracarelife.com/blog/flood-insurance-separating-facts-from-myths/): Introduction to Flood Insurance Flood insurance is a specialized type of coverage designed to protect homeowners, renters, and businesses against the damages caused by flooding, one of the most common and devastating natural disasters. It serves as a financial safety net, ensuring that individuals and families can recover from significant losses, whether those arise from […]
- [Top Reasons Renters Insurance is Essential for Every Tenant](https://www.insuracarelife.com/blog/top-reasons-renters-insurance-is-essential-for-every-tenant/): Introduction to Renters Insurance Renters insurance is a form of coverage designed specifically for individuals who lease or rent their living spaces. This type of insurance provides crucial protection for personal belongings against various risks, including theft, fire, and vandalism. Unlike homeowners insurance, which covers the physical structure of a property, renters insurance focuses on […]
- [Understanding Long Term Disability Insurance: Benefits and Importance](https://www.insuracarelife.com/blog/know-long-term-disability-insurance-benefits-and-importance/): Introduction to Long Term Disability Insurance Long term disability insurance (LTDI) is a vital form of coverage designed to provide financial protection for individuals who find themselves unable to work due to serious health conditions or disabilities that persist for an extended duration. This type of insurance ensures that policyholders receive a steady stream of […]
- [Understanding Life Insurance: An Essential Tool for Financial Planning](https://www.insuracarelife.com/blog/understanding-life-insurance-an-essential-tool-for-financial-planning/): Introduction to Life Insurance Life insurance is a financial product designed to provide monetary support to beneficiaries in the event of the policyholder’s death. This essential tool for financial planning plays a critical role in safeguarding families’ financial future during unforeseen circumstances. It ensures that loved ones are not left with burdensome debts and offers […]
- [Essential Tips to Obtain the Best Small Business Insurance](https://www.insuracarelife.com/blog/essential-tips-to-obtain-the-best-small-business-insurance/): Understanding Small Business Insurance Small business insurance refers to a range of insurance policies designed to protect the various aspects of a business from potential risks and unforeseen events. Every small business, regardless of its size or industry, can face a multitude of dangers, including property damage, liability claims, and employee-related incidents. Therefore, having the […]
- [Essential Tips to Find the Best Watercraft Boat Insurance in Florida](https://www.insuracarelife.com/blog/essential-tips-to-find-the-best-watercraft-boat-insurance-in-florida/): Understanding Watercraft Insurance Watercraft insurance is a specialized insurance policy designed to provide financial protection for boat owners against various risks associated with owning and operating a boat. In Florida, where boating is a popular pastime due to its favorable climate and numerous waterways, understanding the significance of adequate watercraft boat insurance is essential for […]
- [Tips for Finding the Best Progressive Condo Insurance](https://www.insuracarelife.com/blog/tips-for-finding-the-best-progressive-condo-insurance/): Understanding Progressive Condo Insurance Progressive condo insurance is specifically designed to meet the unique needs of condominium owners and tenants. This type of insurance offers a variety of coverage options that protect both the physical structure of the condo and the belongings within it. One of the primary components of Progressive condo insurance is dwelling […]
- [Essential Tips for Finding the Best Business Owners Policy (BOP) Insurance](https://www.insuracarelife.com/blog/essential-tips-for-finding-the-best-business-owners-policy-bop-insurance/): Understanding Business Owners Policy (BOP) A Business Owners Policy (BOP) is an insurance package designed primarily for small to medium-sized businesses, providing a consolidated solution for various coverage needs. By combining essential insurance components into one policy, a BOP offers a comprehensive layer of protection against potential risks that businesses face. The key components typically […]
- [A Best Guide to Choosing the Best Cheap Insurance in New York](https://www.insuracarelife.com/blog/a-best-guide-to-choosing-the-best-cheap-insurance-in-new-york/): Understanding Insurance Types Available in New York In New York, individuals and families are presented with a variety of insurance options, each designed to provide financial protection in different aspects of life. Understanding these types is essential when seeking cheap insurance in New York. Among the most common are auto, health, home, and renters insurance, […]
- [Is Short-Term Health Insurance Worth It? Pros and Cons You Should Know](https://www.insuracarelife.com/blog/is-short-term-health-insurance-worth-it-pros-and-cons-you-should-know/): Understanding Short-Term Health Insurance Short-term health insurance is a type of health coverage designed to fill the gaps in one’s health care needs, primarily during transitional periods. Unlike traditional health insurance plans, which are generally geared towards long-term coverage, short-term health insurance is intended for limited durations, typically ranging from a few months to a […]
- [Smart General Liability Insurance: Top Policies for Business Owners](https://www.insuracarelife.com/blog/smart-general-liability-insurance-top-policies-for-business-owners/): Understanding General Liability Insurance General liability insurance is a fundamental form of coverage designed to protect businesses from a variety of risks. It serves as a vital safety net for business owners, safeguarding them against potential financial losses that may arise from unforeseen incidents. Essentially, this type of insurance provides essential coverage for claims related […]
- [How to Obtain Affordable Motorcycle Insurance Without Documentation](https://www.insuracarelife.com/blog/how-to-obtain-affordable-motorcycle-insurance-without-documentation/): Understanding Motorcycle Insurance Motorcycle insurance serves as a crucial layer of protection for riders, ensuring they are financially safeguarded against unforeseen incidents on the road. This type of insurance not only covers the motorcycle itself but also provides liability coverage, safeguarding riders against legal and medical expenses resulting from accidents. Given the variable nature of […]
- [Finding Progressive Home Insurance Without Documentation](https://www.insuracarelife.com/blog/finding-progressive-home-insurance-without-documentation/): Introduction to Progressive Home Insurance Progressive home insurance is a prominent offering in the insurance market, known for its ability to provide comprehensive coverage tailored to the unique needs of homeowners. Established as a leader in the industry, Progressive has successfully cultivated a reputation for innovation, utilizing technology and customer-centric approaches to redefine the homeowner’s […]
- [How to Find Affordable Car Insurance Near Me Without Documentation](https://www.insuracarelife.com/blog/how-to-find-affordable-car-insurance-near-me-without-documentation/): Introduction to Car Insurance Car insurance is a critical component of vehicle ownership, serving as both a financial safety net and a legal requirement in many jurisdictions. Essentially, car insurance provides protection against financial losses resulting from accidents, theft, or damage to the vehicle. It is designed to cover a variety of liabilities, including bodily […]
- [Choosing the Right Short Term Disability Insurance: Tips and Guide](https://www.insuracarelife.com/blog/choosing-the-right-short-term-disability-insurance-a-comprehensive-guide/): Understanding Short Term Disability Insurance Short term disability insurance (STDI) is a form of coverage designed to provide financial support to individuals who are temporarily unable to work due to a medical condition or injury. The primary purpose of this insurance is to offer a replacement income during the period when an individual is incapacitated, […]
- [The Best Insurance Policies for Senior Citizens: A Comprehensive Guide](https://www.insuracarelife.com/blog/the-best-insurance-policies-for-senior-citizens-a-comprehensive-guide/): Understanding Senior Citizens’ Insurance Needs As individuals transition into their senior years, their insurance needs undergo significant changes. This demographic often encounters increased medical expenses and the possibility of requiring long-term care, making it essential to explore suitable insurance policy options tailored to their specific requirements. Health care is a primary concern for senior citizens, […]
- [What to Watch at the Federal Reserve’s First Meeting of 2025](https://www.insuracarelife.com/blog/what-to-watch-at-the-federal-reserves-first-meeting-of-2025/): The Federal Reserve is set to stand pat at its first gathering of 2025, pressing pause on interest rate cuts as policymakers take stock of how the world’s largest economy is faring. After lowering interest rates by a full percentage point last year — starting with a larger-than-usual half-point cut in September — central bank […]
- [Preparación para huracanes by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/preparacion-para-huracanes-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding Premier Women's Health Accepted Insurance Options](https://www.insuracarelife.com/blog/premier-womens-health-accepted-insurance/): Introduction to Premier Women’s Health Premier Women’s Health Accepted Insurance is an establishment dedicated to providing comprehensive healthcare services specifically designed for women. The organization is committed to the mission of improving women’s health through a range of specialized services that cater to the diverse needs of women at various life stages. With a focus […]
- [AI Not Just for Expense Management](https://www.insuracarelife.com/blog/ai-not-just-for-expense-management/): Run Time: 39:38 AI Not Just for Expense Management (No Ratings Yet) Loading… 893 views Close Embed Video Use the below code to add this video to your website. The insurance industry is experiencing the infancy of general AI — not generative AI, but general AI, according to thought leader Bryan Falchuk. He’s an author, […]
- [Defending Michigan’s Auto Industry, Whitmer Warns of Tariff Risks](https://www.insuracarelife.com/blog/defending-michigans-auto-industry-whitmer-warns-of-tariff-risks/): Gov. Gretchen Whitmer of Michigan, a leading Democrat from a critical battleground state, on Wednesday subtly warned against President-elect Donald J. Trump’s tariff threats targeting Canada, even as she stressed her broader willingness to work with him on the cusp of his second inauguration. Her speech, at the Detroit Auto Show, offered among the clearest […]
- [Compare Trump and Harris Health Care Records and Positions](https://www.insuracarelife.com/blog/compare-trump-and-harris-health-care-records-and-positions/): The following content was last updated on October 8, 2024 The general election campaign is underway, spotlighting former President Trump, the Republican nominee, and Vice President Harris, the Democratic nominee, as the viable contenders for the presidency. Although health care reform may not be a central issue in this election as in the past, health […]
- [Portable generator safety tips by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/portable-generator-safety-tips-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Insurtech Insights: Data, Automation, and Road Risk Trends Shaping the Future](https://www.insuracarelife.com/blog/insurtech-insights-data-automation-and-road-risk-trends-shaping-the-future/): Run Time: 2:42 Insurtech Insights: Data, Automation, and Road Risk Trends Shaping the Future (+1 rating, 1 votes) Loading… 517 views Close Embed Video Use the below code to add this video to your website. Explore key Insurtech trends transforming the industry, from harnessing data-driven insights to the rise of automation and new safety metrics, […]
- [Do DeepSeek’s A.I. Advances Mean US Tech Controls Have Failed?](https://www.insuracarelife.com/blog/do-deepseeks-a-i-advances-mean-us-tech-controls-have-failed/): The United States has worked steadily over the past three years to limit China’s access to the cutting edge computer chips that power advanced artificial intelligence systems. Its aim has been to slow China’s progress in developing sophisticated A.I. models. Now a Chinese firm, DeepSeek, has created that very technology. In recent weeks, DeepSeek released […]
- [While Medicare Drug Price Negotiations Don't Apply to Private Insurance, 3.4 Million People with Employer Coverage Take at Least One of the Selected Drugs](https://www.insuracarelife.com/blog/while-medicare-drug-price-negotiations-dont-apply-to-private-insurance-3-4-million-people-with-employer-coverage-take-at-least-one-of-the-selected-drugs/): Among the 167 million people with employer-sponsored insurance in 2022, 3.4 million used at least one of the first 10 drugs identified for Medicare price negotiations, according to a new KFF analysis. Medicare is expected to release the negotiated drug prices, which will go into effect in 2026, by no later than September 1, 2024. […]
- [Tips to filing an insurance complaint by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/tips-to-filing-an-insurance-complaint-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [96: CBD’s Gray Area an Opportunity for Insuring Cannabis Specialists](https://www.insuracarelife.com/blog/96-cbds-gray-area-an-opportunity-for-insuring-cannabis-specialists/): Run Time: 20:29 96: CBD’s Gray Area an Opportunity for Insuring Cannabis Specialists (No Ratings Yet) Loading… 3,826 views Close Embed Video Use the below code to add this video to your website. CBD, once considered a safer cousin to sell and to insure than marijuana, has become a bit of a gray area for […]
- [G.M. Has Plans Ready for Trump’s Canada and Mexico Tariffs](https://www.insuracarelife.com/blog/g-m-has-plans-ready-for-trumps-canada-and-mexico-tariffs/): General Motors executives are closely tracking President Trump’s plans to impose tariffs on imports from Canada and Mexico, but the company is not yet making any major changes to its strategy in North America in response to the threatened tariffs. The automaker has pulled together an “extensive playbook” of possible options but won’t put them […]
- [KFF Analysis Finds Physician Networks in ACA Marketplace Plans Vary Widely, and Enrollees Typically Pay More in Premiums to Access Broader Networks](https://www.insuracarelife.com/blog/kff-analysis-finds-physician-networks-in-aca-marketplace-plans-vary-widely-and-enrollees-typically-pay-more-in-premiums-to-access-broader-networks/): A KFF analysis of physician networks in the Affordable Care Act’s Marketplace plans finds wide variations in the share of local practicing physicians who participate, with the least costly plans generally having a smaller share of physicians than more expensive plans. The analysis examines the breadth of physician networks listed in Marketplace plan directories in […]
- [¿Qué es el seguro contra tormentas y quién lo necesita? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/que-es-el-seguro-contra-tormentas-y-quien-lo-necesita-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Top Podcast Moments: Insights, AI Regulation, and What’s Next for Insurance Innovation](https://www.insuracarelife.com/blog/top-podcast-moments-insights-ai-regulation-and-whats-next-for-insurance-innovation/): Run Time: 3:56 Top Podcast Moments: Insights, AI Regulation, and What’s Next for Insurance Innovation (No Ratings Yet) Loading… 34 views Close Embed Video Use the below code to add this video to your website. Join Elizabeth Blosfield, Allen Laman, and Ezra Amacher as they recap the top 10 episodes of the Insuring Cyber podcast, […]
- [Trump Threatens Tariffs Over Immigration, Drugs and Greenland](https://www.insuracarelife.com/blog/trump-threatens-tariffs-over-immigration-drugs-and-greenland/): In his first week in office, President Trump tried to browbeat governments across the world into ending the flow of drugs into America, accepting planes full of deported migrants, halting wars and ceding territory to the United States. For all of them, he deployed a common threat: Countries that did not meet his demands would […]
- [Claims Denials and Appeals in ACA Marketplace Plans in 2023](https://www.insuracarelife.com/blog/claims-denials-and-appeals-in-aca-marketplace-plans-in-2023/): The Affordable Care Act (ACA) requires insurers to report transparency data for all non-grandfathered health plans sold on and off the Marketplace, including fully-insured and self-insured employer group health plans. The law requires data to be available to federal and state insurance regulators and to the public. However, federal implementation of this requirement has so […]
- [Understanding Dance Studio Liability Insurance: A Comprehensive Guide](https://www.insuracarelife.com/blog/dance-studio-liability-insurance/): Introduction to Dance Studio Liability Insurance Dance studio liability insurance is a specialized form of coverage designed to protect studio owners and instructors from the financial repercussions of legal claims arising from injuries, accidents, or damages that may occur within the studio environment. This type of insurance plays a crucial role in ensuring the sustainability […]
- [What is windstorm insurance and who needs it? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/what-is-windstorm-insurance-and-who-needs-it-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Insurance Marketers: Get More AI Smarts](https://www.insuracarelife.com/blog/insurance-marketers-get-more-ai-smarts/): Run Time: 36:22 Insurance Marketers: Get More AI Smarts (No Ratings Yet) Loading… 2,323 views Close Embed Video Use the below code to add this video to your website. You’ll enjoy the interesting life and business journey of our guest Satvinder Kaur. She’s originally from India, and marketing executive roles at various carriers led her […]
- [CPI Rose in December, a Sign the Fed’s Inflation Fight Has Stalled](https://www.insuracarelife.com/blog/cpi-rose-in-december-a-sign-the-feds-inflation-fight-has-stalled/): Consumer prices rose more quickly in December, the latest sign that the Federal Reserve’s fight against inflation may have stalled. The Consumer Price Index rose 0.4 percent from November, and was up 2.9 percent from a year earlier, the Labor Department said on Wednesday. It was the fastest one-month increase in overall prices since February, […]
- [HealthCare.gov Insurers Denied Nearly 1 in 5 In-Network Claims in 2023, but Information About Reasons is Limited in Public Data](https://www.insuracarelife.com/blog/healthcare-gov-insurers-denied-nearly-1-in-5-in-network-claims-in-2023-but-information-about-reasons-is-limited-in-public-data/): HealthCare.gov insurers denied nearly one out of every five claims (19%) submitted for in-network services and an even larger share (37%) share of claims for out-of-network services in 2023, a new KFF analysis finds. The analysis examines the main source of publicly available data on claims denials and appeals for individual-market plans available through the […]
- [Shopping tips for homeowners insurance by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/shopping-tips-for-homeowners-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 97: Critical Cyber Threats and the Future of Cyber Insurance](https://www.insuracarelife.com/blog/ep-97-critical-cyber-threats-and-the-future-of-cyber-insurance/): Run Time: 32:29 EP. 97: Critical Cyber Threats and the Future of Cyber Insurance (No Ratings Yet) Loading… 2,250 views Close Embed Video Use the below code to add this video to your website. In this episode of The Insuring Cyber Podcast, take a deep dive into the latest challenges in cyber risk management with […]
- [What Did Trump’s Tax Cuts Do?](https://www.insuracarelife.com/blog/what-did-trumps-tax-cuts-do/): Seven years ago, when Republicans passed the most significant overhaul of the tax code in a generation, they were sure the law would supercharge investment, raise wages and shift the American economy into a higher gear. So did it? The answer, at least for now, is largely lost to history. A pandemic and a surge […]
- [How Narrow or Broad Are ACA Marketplace Physician Networks?](https://www.insuracarelife.com/blog/how-narrow-or-broad-are-aca-marketplace-physician-networks/): One way insurers seek to control costs is to limit the size of the physician networks serving their plans. Providers agree to lower fees and other terms with insurers in order to be included in one or more of the networks they offer. Insurers then either limit coverage to services provided by network providers or […]
- [Cook safely and avoid kitchen fires by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/cook-safely-and-avoid-kitchen-fires-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Your Comprehensive Guide to Seasonal Car Insurance: Making Adjustments for Summer and Winter](https://www.insuracarelife.com/blog/seasonal-car-insurance/): Introduction to Seasonal Car Insurance Seasonal car insurance is a specialized type of automobile coverage that allows drivers to adjust their insurance policies based on the changing demands of their driving habits and environment throughout the year. As many drivers experience significant fluctuations in vehicle usage—especially those living in regions with distinct seasons—this form of […]
- [Understanding Passport Card Travel Insurance: How to Obtain It and Its Benefits](https://www.insuracarelife.com/blog/passport-card-travel-insurance/): Introduction to Passport Card Travel Insurance Passport card travel insurance is an innovative approach to travel protection, designed to integrate essential insurance benefits directly into a passport card. This type of insurance serves the primary purpose of providing travelers with seamless access to various coverage options while they are abroad. Traditional travel insurance policies often […]
- [Understanding Premium Refund Insurance: A Comprehensive Guide](https://www.insuracarelife.com/blog/premium-refund-insurance/): What is Premium Refund Insurance? Premium refund insurance is a specialized form of insurance that offers policyholders the opportunity to receive a refund of premiums paid under certain conditions. This type of insurance serves as a financial safety net, providing consumers with reassurance in cases where policy benefits are not utilized. Unlike traditional insurance policies, […]
- [EP. 08: Risk Holiday Mishaps: The Golfertainment Podcast Takes on Insurance with Humor!](https://www.insuracarelife.com/blog/ep-08-risk-holiday-mishaps-the-golfertainment-podcast-takes-on-insurance-with-humor/): Run Time: 37:42 EP. 08: Risk Holiday Mishaps: The Golfertainment Podcast Takes on Insurance with Humor! (No Ratings Yet) Loading… 1,310 views Close Embed Video Use the below code to add this video to your website. Get ready for a wild ride as we blend the festive, the risky, and the unexpectedly hilarious in this […]
- [I.R.S. Commissioner to Quit as Trump Takes Office](https://www.insuracarelife.com/blog/i-r-s-commissioner-to-quit-as-trump-takes-office/): Daniel Werfel, the commissioner of the Internal Revenue Service, told the agency’s employees that he would end his term early and step down on Monday as President-elect Donald J. Trump takes office. Mr. Trump has said he plans to nominate Billy Long, a former Republican congressman, to the role. Past presidents have treated the tax […]
- [How Many Adults with Private Health Insurance Could Use GLP-1 Drugs](https://www.insuracarelife.com/blog/how-many-adults-with-private-health-insurance-could-use-glp-1-drugs/): More than two in five (42%) or 57.4 million adults under 65 with private insurance could be eligible under clinical criteria for GLP-1 drugs used to treat people with type 2 diabetes, obesity, or excess weight and weight-related health issues, according to a new KFF analysis. Though only about 3% of adults with employer coverage […]
- [Smart health insurance tips you need to know by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/smart-health-insurance-tips-you-need-to-know-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [97:What Insurance Pros Should Know About Testing for Mold in Cannabis Products](https://www.insuracarelife.com/blog/97what-insurance-pros-should-know-about-testing-for-mold-in-cannabis-products/): Run Time: 25:17 97:What Insurance Pros Should Know About Testing for Mold in Cannabis Products (No Ratings Yet) Loading… 2,357 views Close Embed Video Use the below code to add this video to your website. Testing for mold in cannabis products is a process that is being eyed lately as reports emerge that some level […]
- [Ways to save on car insurance by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/ways-to-save-on-car-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Carrier Pro Turns Parametric - Insurance Journal TV](https://www.insuracarelife.com/blog/carrier-pro-turns-parametric-insurance-journal-tv/): Run Time: 40:19 Carrier Pro Turns Parametric (No Ratings Yet) Loading… 2,152 views Close Embed Video Use the below code to add this video to your website. Listen in as insurance carrier veteran Jamie Luce, who recently founded a startup, says parametric products are an “untapped” pathway to unleash more value for customers, agents, insurers […]
- [‘So Much Uncertainty’: Businesses Worry About Trump’s Many Tariff Plans](https://www.insuracarelife.com/blog/so-much-uncertainty-businesses-worry-about-trumps-many-tariff-plans/): For Klem’s, a general store in rural Massachusetts, each year has seemed more challenging than the last. First, there was the pandemic, then a global supply chain breakdown that left the store short of lawn mowers and shoes. Next, a spate of inflation raided American pocketbooks. All along, Amazon continued to pull customers away from […]
- [How Much is Health Spending Expected to Grow?](https://www.insuracarelife.com/blog/how-much-is-health-spending-expected-to-grow/): An updated chart collection explores how health spending is expected to grow in coming years, with a look at growth in prescription drug spending, out-of-pocket spending, and related trends. In 2024, per capita health spending growth is estimated to have slowed to 4.5%. Growth is expected to slow further in 2025 and 2026 to 4.2% […]
- [Tips for filing an insurance claim by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/tips-for-filing-an-insurance-claim-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 98: Cyber Risks for Micro Small Businesses](https://www.insuracarelife.com/blog/ep-98-cyber-risks-for-micro-small-businesses/): Run Time: 12:08 EP. 98: Cyber Risks for Micro Small Businesses (No Ratings Yet) Loading… 1,896 views Close Embed Video Use the below code to add this video to your website. On this episode of The Insuring Cyber Podcast, Coterie Insurance Founder and CEO David McFarland discussed Coterie’s October announcement that the InsurTech is now […]
- [Trump Promises Tariffs on Canada and Mexico, and Paves Way for Further Trade Action](https://www.insuracarelife.com/blog/trump-promises-tariffs-on-canada-and-mexico-and-paves-way-for-further-trade-action/): President Trump said on Monday night that he planned to impose a 25 percent tariff on products from Canada and Mexico on Feb. 1 and might impose levies on most American imports, as he signed an executive order directing federal agencies to deliver a sweeping review of U.S. trade policies by this spring. Speaking to […]
- [Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2024](https://www.insuracarelife.com/blog/premiums-and-worker-contributions-among-workers-covered-by-employer-sponsored-coverage-1999-2024/): Since 1999, the Employer Health Benefits Survey has documented trends in employer-sponsored health insurance. Every year, private and non-federal public employers with three or more employees complete the survey. Among other topics, the survey asks firms for the premium (or full per-person cost) of their health coverage, as well as worker contributions (amount of the […]
- [Who should have flood insurance? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/who-should-have-flood-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding Compliant Driver's Program Insurance: A Comprehensive Guide](https://www.insuracarelife.com/blog/compliant-drivers-program-insurance/): Introduction to Compliant Driver’s Program Insurance Compliant driver’s program insurance is a specialized form of insurance designed to meet the unique needs of drivers who are deemed high-risk due to various factors, such as previous traffic violations, accidents, or other issues affecting their driving history. The primary purpose of this insurance is to provide protection […]
- [98: Cannabis Beverages Are Popular but Pose Interesting Risks for Insurers](https://www.insuracarelife.com/blog/98-cannabis-beverages-are-popular-but-pose-interesting-risks-for-insurers/): Run Time: 19:03 98: Cannabis Beverages Are Popular but Pose Interesting Risks for Insurers (No Ratings Yet) Loading… 2,506 views Close Embed Video Use the below code to add this video to your website. Cannabis beverages are a $1 billion and growing market, with some estimates calling for a $100 billion or larger market in […]
- [Europe Braces for a New Trump Era, Uncertain About What It Means](https://www.insuracarelife.com/blog/europe-braces-for-a-new-trump-era-uncertain-about-what-it-means/): As Donald J. Trump took the oath of office in Washington on Monday, the crowd at a jam-packed party held by Ukrainian business groups in Davos, Switzerland, intently watched the ceremony on huge screens. The event, on the sidelines of the World Economic Forum’s annual conference, seemed to be a display of enthusiasm for the […]
- [2024 Employer Health Benefits Survey](https://www.insuracarelife.com/blog/2024-employer-health-benefits-survey/): This is the 26th annual Employer Health Benefits Survey. As in years past, the survey examines trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, offer rates, wellness programs, and employer practices. This year we asked employers detailed questions about their provider networks, abortion coverage, family building benefits, coverage for GLP-1 agonists as […]
- [What insurance do you need for water damage? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/what-insurance-do-you-need-for-water-damage-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Helene Was a B*tch - Insurance Journal TV](https://www.insuracarelife.com/blog/helene-was-a-btch-insurance-journal-tv/): Run Time: 31:52 Helene Was a B*tch (No Ratings Yet) Loading… 2,154 views Close Embed Video Use the below code to add this video to your website. As we wrap up another eventful and informative year of “On Point” episodes, your host Peter van Aartrijk details the front-seat view he had of Hurricane Helene as […]
- [Trump Pitches External Revenue Service to Collect Tariffs: What to Know](https://www.insuracarelife.com/blog/trump-pitches-external-revenue-service-to-collect-tariffs-what-to-know/): President Trump has promised to generate a “massive” amount of revenue with tariffs on foreign products, an amount so big that the president said he would create a new agency — the External Revenue Service — to handle collecting the money. “Instead of taxing our citizens to enrich other countries, we will tariff and tax […]
- [Annual Family Premiums for Employer Coverage Rise 7% to Average $25,572 in 2024, Benchmark Survey Finds, After Also Rising 7% Last Year](https://www.insuracarelife.com/blog/annual-family-premiums-for-employer-coverage-rise-7-to-average-25572-in-2024-benchmark-survey-finds-after-also-rising-7-last-year/): Family premiums for employer-sponsored health insurance rose 7% this year to reach an average of $25,572 annually, KFF’s 2024 benchmark Employer Health Survey finds. On average, workers contribute $6,296 annually to the cost of family coverage.   This marks the second year in a row that premiums are up 7%. Over the past five years—a […]
- [When should you start preparing for hurricane season? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/when-should-you-start-preparing-for-hurricane-season-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding Insurance Claims: Business Use vs Personal Use](https://www.insuracarelife.com/blog/insurance-claims-business-use-vs-personal-use/): Introduction to Insurance Claims Insurance claims serve as a crucial mechanism through which policyholders seek compensation for losses or damages incurred. When an individual or business experiences an event that leads to financial loss—such as theft, property damage, or liability incidents—they may file an insurance claim. This process involves submitting necessary documentation to insurance providers […]
- [The Most Affordable Social Worker Liability Insurance in California: A Comprehensive Guide](https://www.insuracarelife.com/blog/the-most-affordable-social-worker-liability-insurance-in-california/): Introduction to Social Worker Liability Insurance Social worker liability insurance serves as a crucial support system for professionals in the field, protecting them against the financial repercussions of legal claims stemming from their work. In a sector where practitioners are consistently faced with various risks—including allegations of negligence, malpractice, or ethical violations—having affordable social worker […]
- [Understanding Farmers Homeowners Insurance Policy: Overhead and Profit Explained](https://www.insuracarelife.com/blog/farmershomeowners-insurancepolicy/): Introduction to Farmers Homeowners Insurance Homeowners insurance is a fundamental aspect of property ownership as it provides protection against an array of risks that could lead to significant financial loss. This type of insurance typically covers damage to the home itself, as well as liability claims that may arise due to injuries or accidents occurring […]
- [Understanding Dental Cleaning Costs Without Insurance: A Comprehensive Guide](https://www.insuracarelife.com/blog/dental-cleaning-costs-withoutinsurance/): Introduction to Dental Cleaning Dental cleaning is a fundamental aspect of maintaining optimal oral health. Regular visits to a dental hygienist or dentist for a cleaning can help prevent the onset of dental diseases, such as cavities and gum disease, which can have significant implications for overall health. Dental cleanings typically involve the removal of […]
- [EP. 09: Cyber Treats, Holiday Eats, and Santa Risks!](https://www.insuracarelife.com/blog/ep-09-cyber-treats-holiday-eats-and-santa-risks/): Run Time: 38:51 EP. 09: Cyber Treats, Holiday Eats, and Santa Risks! (No Ratings Yet) Loading… 1,189 views Close Embed Video Use the below code to add this video to your website. Explore the hilariously absurd world of Santa-related insurance claims, from magical animal damages to holiday endorsements we wish existed, in this Golfertainment episode! […]
- [Amazon’s Fight With Unions Heads to Whole Foods Market](https://www.insuracarelife.com/blog/amazons-fight-with-unions-heads-to-whole-foods-market/): At a sprawling Whole Foods Market in Philadelphia, a battle is brewing. The roughly 300 workers are set to vote on Monday on whether to form the first union in Amazon’s grocery business. Several store employees said they hoped a union could negotiate higher starting wages, above the current rate of $16 an hour. They’re […]
- [Gaps in Awareness of Insurance Requirements to Cover Preventive Services Among Women](https://www.insuracarelife.com/blog/gaps-in-awareness-of-insurance-requirements-to-cover-preventive-services-among-women/): The Affordable Care Act (ACA) was passed over 14 years ago and yet, there are still gaps in awareness that federal law requires plans to cover the full cost of recommended preventive health care services, especially contraception. Under the ACA, most private health plans and Medicaid expansion programs must provide coverage with no cost-sharing for […]
- [Campfire and grilling safety tips by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/campfire-and-grilling-safety-tips-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding Commercial Property Insurance: Coverage and Its Importance](https://www.insuracarelife.com/blog/understand-commercial-property-insurance/): Introduction to Commercial Property Insurance Commercial property insurance is a vital financial tool designed to protect businesses from loss or damage to their physical assets. This type of insurance generally covers a range of properties, including buildings, equipment, inventory, and sometimes even outdoor property. By securing commercial property insurance, businesses can safeguard their investments against […]
- [Consolidation Looms for InsurTechs, MGAs](https://www.insuracarelife.com/blog/consolidation-looms-for-insurtechs-mgas/): Run Time: 38:03 Consolidation Looms for InsurTechs, MGAs (No Ratings Yet) Loading… 1,334 views Close Embed Video Use the below code to add this video to your website. Insurtechs and online MGAs increasingly will be folded into tech-enabled carriers and marketplaces. That’s the prediction of Bryan Davis, who leads VIU, HUB’s online insurance platform for […]
- [Existing-Home Sales in 2024 Were Slowest in Decades Amid High Mortgage Rates](https://www.insuracarelife.com/blog/existing-home-sales-in-2024-were-slowest-in-decades-amid-high-mortgage-rates/): High interest rates kept U.S. home sales in a deep freeze for much of last year. It could be a while before the market experiences much of a thaw. Americans bought just over four million previously owned homes last year, the National Association of Realtors said on Friday. That was the fewest since 1995 and […]
- [Dependent Coverage for Young Adults in Employer-Sponsored Health Plans](https://www.insuracarelife.com/blog/dependent-coverage-for-young-adults-in-employer-sponsored-health-plans/): Most employers that offer health insurance include the option for enrollees to cover a spouse or other qualified dependents. Dependent coverage plays a key role in providing health insurance for individuals who either do not have access to their own employer-sponsored plan or find the plan they are offered unaffordable. This data note examines how […]
- [“Doc" Gallagher targeted seniors to surrender their annuities by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/doc-gallagher-targeted-seniors-to-surrender-their-annuities-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Emergency Podcast: LA Wildfires – Costs Soar, Risks Mount!](https://www.insuracarelife.com/blog/emergency-podcast-la-wildfires-costs-soar-risks-mount/): Run Time: 34:37 Emergency Podcast: LA Wildfires – Costs Soar, Risks Mount! (No Ratings Yet) Loading… 974 views Close Embed Video Use the below code to add this video to your website. Replay Insurance Journal’s Emergency Podcast discussion, hosted on X, covering the Los Angeles Wildfires and it’s impact on insurance. Join Patrick Wraight, Director […]
- [Howard Lutnick, Trump’s Commerce Nominee, Discloses Business Interests](https://www.insuracarelife.com/blog/howard-lutnick-trumps-commerce-nominee-discloses-business-interests/): Howard Lutnick, the wealthy Wall Street executive whom President Trump has tapped to lead the Department of Commerce, detailed a complex network of financial holdings on Friday as he prepared to face scrutiny from lawmakers during a confirmation hearing next week. The financial disclosures showed that Mr. Lutnick, who has built a fortune in brokerages, […]
- [Why do you need a home inventory? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/why-do-you-need-a-home-inventory-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [99: Cannabis Insurance Claims – Insight from a Producer and Former Operator](https://www.insuracarelife.com/blog/99-cannabis-insurance-claims-insight-from-a-producer-and-former-operator/): Run Time: 10:54 99: Cannabis Insurance Claims – Insight from a Producer and Former Operator (No Ratings Yet) Loading… 796 views Close Embed Video Use the below code to add this video to your website. Insuring cannabis is far from a straightforward endeavor, so one would expect cannabis insurance claims to be a complex subject. […]
- [Trump Aims to Cut the Federal Work Force. It’s Already Historically Low.](https://www.insuracarelife.com/blog/trump-aims-to-cut-the-federal-work-force-its-already-historically-low-2/): When it comes to the federal payroll, two seemingly contradictory things are true. One, the Biden administration went on a hiring spree that expanded the government work force at the fastest pace since the 1980s. And two, it remains near a record low as a share of overall employment. In the four years separating President […]
- [Trump Aims to Cut the Federal Work Force. It’s Already Historically Low.](https://www.insuracarelife.com/blog/trump-aims-to-cut-the-federal-work-force-its-already-historically-low/): When it comes to the federal payroll, two seemingly contradictory things are true. One, the Biden administration went on a hiring spree that expanded the government work force at the fastest pace since the 1980s. And two, it remains near a record low as a share of overall employment. In the four years separating President […]
- [Explaining Health Care Reform: Questions About Health Insurance Subsidies](https://www.insuracarelife.com/blog/explaining-health-care-reform-questions-about-health-insurance-subsidies/): Health insurance is expensive and can be difficult to afford for people with lower or moderate incomes. In response, the Affordable Care Act (ACA) provides sliding-scale subsidies that lower premiums and insurers offer plans with reduced out-of-pocket (OOP) costs for eligible individuals. This brief provides an overview of the financial assistance provided under the ACA […]
- [Condo Insurance Made Easy: How to Get a Fast and Free Quote](https://www.insuracarelife.com/blog/condo-insurance-made-easy/): When it comes to protecting your home, condo insurance is a must. Whether you’re a new condo owner or have been living in one for years, having the right coverage can give you peace of mind. But the process of finding the right condo insurance policy can seem daunting with all the options available. The […]
- [Why you should have smoke alarms by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/why-you-should-have-smoke-alarms-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Mental Health a ‘Force at Work’](https://www.insuracarelife.com/blog/mental-health-a-force-at-work/): Run Time: 29:51 Mental Health a ‘Force at Work’ (+1 rating, 1 votes) Loading… 1,106 views Close Embed Video Use the below code to add this video to your website. Who remembers when you’d never think to “bring your whole self to work?” Boomers do! But today’s workplace is vastly different. Bosses need to watch […]
- [Trump Is Said to Push for Early Reopening of North American Trade Deal](https://www.insuracarelife.com/blog/trump-is-said-to-push-for-early-reopening-of-north-american-trade-deal/): The Trump administration intends to push to renegotiate the U.S. trade deal with Canada and Mexico ahead of a required 2026 review of it, seeking to shore up U.S. auto jobs and counter Chinese firms that are making inroads into the Mexican auto sector, people familiar with the deliberations said. The U.S.-Mexico-Canada Agreement, which Mr. […]
- [Forensic accounting and insurance fraud investigations by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/forensic-accounting-and-insurance-fraud-investigations-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 99: 2024's Top Cyber Insurance Insights Wrapped](https://www.insuracarelife.com/blog/ep-99-2024s-top-cyber-insurance-insights-wrapped/): Run Time: 30:05 EP. 99: 2024’s Top Cyber Insurance Insights Wrapped (No Ratings Yet) Loading… 482 views Close Embed Video Use the below code to add this video to your website. Join Carrier Management Deputy Editor and host of The Insuring Cyber Podcast, Elizabeth Blosfield, Wells Media Content Editor Allen Laman, and Insurance Journal’s Midwest […]
- [Stellantis Will Restart Illinois Factory That U.A.W. Pushed to Revive](https://www.insuracarelife.com/blog/stellantis-will-restart-illinois-factory-that-u-a-w-pushed-to-revive/): Stellantis, the company that owns Chrysler and Jeep, said on Wednesday it planned to reopen a factory in Illinois and increase production elsewhere in the United States, a move that is likely to resolve several simmering disputes with the United Automobile Workers union. The reopening is also likely to help the company in its relations […]
- [How Much More Would People Pay in Premiums if the ACA's Enhanced Subsidies Expired?](https://www.insuracarelife.com/blog/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/): The FAQs below are intended to help you understand this Calculator. More detailed questions and answers about signing up for coverage are available on our Marketplace FAQ page. I am having difficulty viewing or understanding my results. What should I do? It could be that you are using an older version of Microsoft Edge or Firefox. […]
- [Are your home and car winter ready? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/are-your-home-and-car-winter-ready-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Coming Soon: Join us for the 100th Episode of the Insuring Cyber Podcast!](https://www.insuracarelife.com/blog/coming-soon-join-us-for-the-100th-episode-of-the-insuring-cyber-podcast/): Run Time: 25 Coming Soon: Join us for the 100th Episode of the Insuring Cyber Podcast! (No Ratings Yet) Loading… 57 views Close Embed Video Use the below code to add this video to your website. Mark your calendars! On February 26th, the Insuring Cyber Podcast hits a major milestone with its 100th episode, and […]
- [Trumps Threatens Tariffs Feb. 1 on Canada, Mexico and China](https://www.insuracarelife.com/blog/trumps-threatens-tariffs-feb-1-on-canada-mexico-and-china/): When President Trump did not follow through with his promise to immediately impose new tariffs on his first day in office, business executives and others who support international trade breathed a sigh of relief. That relief was short-lived. On Monday night, just hours after his inauguration speech, Mr. Trump said he planned to put a […]
- [What are PPC fire protection ratings and how do they impact insurance? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/what-are-ppc-fire-protection-ratings-and-how-do-they-impact-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding Life Insurance: Types and How to Choose the Right One](https://www.insuracarelife.com/blog/understanding-life-insurance-types/): Introduction to Life Insurance Life insurance is a crucial financial product designed to provide a safety net for individuals and their families. At its core, life insurance serves as a promise between the policyholder and the insurance company; in exchange for regular premium payments, the insurer agrees to provide a designated sum of money to […]
- [Navigating the Claims Process: Tips for Maximizing Your PIP Coverage](https://www.insuracarelife.com/blog/pip-coverage/): Personal Injury Protection (PIP) insurance is a valuable safety net, covering medical expenses and lost wages after an accident, regardless of fault. However, navigating the claims process can be daunting without the proper knowledge. This guide provides actionable tips to help you maximize your PIP coverage and streamline the claims process. Understanding PIP Insurance PIP […]
- [Understanding Umbrella Insurance: Coverage, Benefits, and More](https://www.insuracarelife.com/blog/understanding-umbrella-insurance/): In today’s world, where lawsuits and unexpected events are becoming more common, protecting your assets is more important than ever. While standard home and auto insurance policies offer coverage, they might not be enough to fully safeguard your wealth in the event of a large-scale accident or lawsuit. This is where umbrella insurance comes in. […]
- [ID Podcast: Public-private partnerships a solution to frequency perils: Aon's Van Slooten :: Insurance Day](https://www.insuracarelife.com/blog/id-podcast-public-private-partnerships-a-solution-to-frequency-perils-aons-van-slooten-insurance-day/):   Public-private partnerships will increasingly be seen as the solution to growing frequency peril losses, a top analyst at Aon has said. Mike Van Slooten, the broker’s head of market intelligence, said the reinsurance industry is not large enough to handle growing frequency losses including flood, wildfire and convective storm losses. Retentions, which remained largely […]
- [How to Obtain Verified Home Insurance for a Senior Person: A Comprehensive Guide](https://www.insuracarelife.com/blog/home-insurance-for-a-senior-person/): Home Insurance for a Senior: As a senior, ensuring your home is protected with the right insurance is essential. Whether you’re downsizing, living in a retirement community, or staying in your long-time home, home insurance provides financial protection against unexpected events such as fires, theft, or weather-related damage. However, obtaining verified home insurance as a […]
- [Trump presidency looms large over Mexico’s insurance sector :: Insurance Day](https://www.insuracarelife.com/blog/trump-presidency-looms-large-over-mexicos-insurance-sector-insurance-day/): Mexico’s insurance sector enters 2025 in a strong financial position and riding a period of solid premium growth, rising profits and a strong solvency position. However, the rosy picture could change as the Mexican economy shows signs of slowing down, investment returns shrink and buyers face capacity restraints in areas such as property catastrophe lines, […]
- [Best Off-Road Vehicle Insurance Coverage for ATV Riders in 2025](https://www.insuracarelife.com/blog/off-road-vehicle-insurance-coverage/): All-Terrain Vehicles (ATVs) are a thrilling way to explore off-road terrains, providing adventure, fun, and excitement. Whether you’re riding for recreation, racing, or simply exploring remote areas, an ATV can take you places where traditional vehicles can’t go. However, while ATVs offer amazing capabilities, they also come with inherent risks. Accidents, injuries, or damage to […]
- [Umbrella Insurance Explained: Coverage and Benefits You Should Know](https://www.insuracarelife.com/blog/umbrella-insurance-explained/): When it comes to protecting your assets and ensuring financial security, most people focus on basic insurance policies like auto, home, or renters insurance. While these policies provide essential coverage, there may be gaps that leave you vulnerable to large financial losses. That’s where umbrella insurance comes in. In this comprehensive guide, we will dive […]
- [Navigating Employers Liability Insurance: Coverage, Costs, and More](https://www.insuracarelife.com/blog/employers-liability-insurance/): Introduction to Employers Liability Insurance Employers liability insurance is a critical component of risk management for businesses that employ individuals. This particular type of insurance is designed to protect employers against legal claims filed by employees arising from incidents that occur during the course of their employment. Unlike general liability insurance, which covers third-party claims […]
- [Easy Ways to Find the Right Pet Insurance Provider Near Me](https://www.insuracarelife.com/blog/right-pet-insurance-provider-near-me/): Understanding Pet Insurance Right Pet Insurance Provider: Pet insurance is a form of coverage designed to help pet owners manage the costs associated with veterinary care. This financial product is increasingly becoming a crucial consideration for responsible pet ownership, as it can mitigate the risks of unexpected veterinary expenses due to accidents or illnesses. By […]
- [Which Insurance Company is Cheaper Than Geico? 2025](https://www.insuracarelife.com/blog/which-insurance-company-is-cheaper-than-geico/): When shopping for Insurance Company, finding the right provider can be challenging, especially with so many options available. Geico is often considered one of the most affordable and popular insurance companies in the U.S., but it’s not always the cheapest option for everyone. The cost of car insurance depends on a variety of factors, including […]
- [What Is Short-Term Disability Insurance and Its Benefits?](https://www.insuracarelife.com/blog/short-term-disability-insurance-and-benefits/): In today’s unpredictable world, accidents, illnesses, or injuries can happen when least expected, leaving individuals unable to work for an extended period. While it’s easy to assume that a person’s health will always remain stable, the reality is that many people will experience a temporary disability at some point in their lives. For such situations, […]
- [Vacation Home Insurance: Safeguarding Your Home While You Travel](https://www.insuracarelife.com/blog/vacation-home-insurance-safeguarding-your-home-while-you-travel/): Vacations are meant to be a time of relaxation and exploration. Whether you’re heading to a tropical paradise, a bustling city, or a quiet retreat in the mountains, one thing is for certain: you don’t want to worry about your home while you’re away. This is where vacation home insurance comes into play. Vacation home […]
- [How to Obtain Affordable Flood Insurance Without Sacrificing Coverage](https://www.insuracarelife.com/blog/obtain-affordable-flood-insurance/): Floods are one of the most common natural disasters, and they can cause significant damage to homes and businesses. While flooding can happen anywhere, certain areas are more prone to it, making flood insurance a critical safeguard for homeowners and renters. Unfortunately, flood insurance can sometimes feel expensive, leaving many people wondering how to obtain […]
- [Trump Maintains 104% China Tariffs as U.S. Officials Signal Openness to Talks](https://www.insuracarelife.com/blog/trump-maintains-104-china-tariffs-as-u-s-officials-signal-openness-to-talks/): The Trump administration signaled on Tuesday that it was ready to negotiate deals with countries targeted by sweeping tariffs, saying that 70 governments had approached the United States to try to roll the levies back and that officials would begin talks with Japan, South Korea and other nations. But President Trump and his advisers have […]
- [Dealing with insurance claims and avoiding repair scams by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/dealing-with-insurance-claims-and-avoiding-repair-scams-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Global Leaders Rush to Woo Trump, Hoping to Sway Him on Tariffs](https://www.insuracarelife.com/blog/global-leaders-rush-to-woo-trump-hoping-to-sway-him-on-tariffs/): President Trump’s plan to impose sweeping tariffs on most of America’s trading partners has governments across the globe racing to schedule phone calls, send delegations to Washington and offer up proposals to lower their import taxes in order to escape the levies. On Monday, European officials offered to drop tariffs to zero on cars and […]
- [How Does Cost Affect Access to Care?](https://www.insuracarelife.com/blog/how-does-cost-affect-access-to-care/): This slideshow explores trends in how costs affect access to health care in the U.S., including decisions to forgo or delay needed care and access to a usual source of care. Based on data from the 2023 National Health Interview Survey, more than 1 in 4 adults (28%) reported delaying or not getting health care […]
- [How to prepare for the 2021 hurricane season by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/how-to-prepare-for-the-2021-hurricane-season-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Will Insurance Cover Engine Replacement? Understanding Your Coverage Options](https://www.insuracarelife.com/blog/will-insurance-cover-engine-replacement/): Introduction to Engine Replacement and Insurance Engine replacement refers to the process of removing a damaged or worn-out engine from a vehicle and installing a new or refurbished one. This critical repair can arise from several scenarios, including accidents, catastrophic engine failure due to lack of maintenance, or simply the natural deterioration of engine components […]
- [Bitcoin Is Down 10% Since Trump’s Global Tariff Announcement](https://www.insuracarelife.com/blog/bitcoin-is-down-10-since-trumps-global-tariff-announcement/): Virtually everyone in the cryptocurrency world celebrated the second election of President Trump, an enthusiastic booster of the industry who promised to turn the United States into the “crypto capital of the planet.” But now the man nicknamed “the first Bitcoin president” is presiding over a Bitcoin crash. Since Mr. Trump announced his global tariffs […]
- [How to shop smart for health insurance by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/how-to-shop-smart-for-health-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Small Businesses Face a ‘Tornado’ of Challenges: Cuts, Freezes and Now Tariffs](https://www.insuracarelife.com/blog/small-businesses-face-a-tornado-of-challenges-cuts-freezes-and-now-tariffs/): It was a bad week for Ben Coryell, who runs a wilderness guiding company in Golden, Colo. He got several calls from customers who wanted to cancel their climbing courses and mountaineering expeditions over the summer, often citing second thoughts about big purchases as the Trump administration has thrown the economy into turmoil with eye-watering […]
- [Buying a used car? Here’s how to avoid scams by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/buying-a-used-car-heres-how-to-avoid-scams-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Lesotho, a Small African Nation, Expects a Big Hit From Trump’s Tariffs](https://www.insuracarelife.com/blog/lesotho-a-small-african-nation-expects-a-big-hit-from-trumps-tariffs/): The nation that the Trump administration slapped with the heftiest tariff this week is a small, rural, landlocked country in southern Africa that is among the world’s poorest. Lesotho, which makes denim that goes into American-branded jeans, was hit with a 50 percent tariff. It was among several lower-income countries on the continent that were […]
- [Tips to strengthen your home by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/tips-to-strengthen-your-home-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [After Trump Tariffs, Volkswagen to Add ‘Import Fees’ to Cars Sold in U.S.](https://www.insuracarelife.com/blog/after-trump-tariffs-volkswagen-to-add-import-fees-to-cars-sold-in-u-s/): Volkswagen, the German automaker, has told its car dealers that it plans to add an import fee later this month to the price of imported cars sold in the United States. The company’s move is one of the first and clearest examples of automakers using price increases to deal with the 25 percent tariffs President […]
- [Expert answers about auto insurance by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/expert-answers-about-auto-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Slumping Oil Prices Reflect Intensifying Economic Worries](https://www.insuracarelife.com/blog/slumping-oil-prices-reflect-intensifying-economic-worries/): Oil prices continued to fall on Friday, extending Thursday’s sharp drop. Brent crude, the international benchmark, traded at its lowest level in more than three years, below $65 a barrel, a fall of almost 8 percent. Fears that President Trump’s tariffs could slash global economic growth — and demand for oil as a result — […]
- [What does travel insurance cover? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/what-does-travel-insurance-cover-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [The Job Market Has Been Resilient. The Trade War Could Be Its Undoing.](https://www.insuracarelife.com/blog/the-job-market-has-been-resilient-the-trade-war-could-be-its-undoing/): For three years, the U.S. economy has been buffeted by rapid inflation, high interest rates and political instability at home and abroad. Yet it has proved surprisingly resilient, supported by the sturdy pillars of robust consumer spending, a rising stock market, and healthy balance sheets for households and businesses alike. But one by one, those […]
- [How to prepare for winter driving by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/how-to-prepare-for-winter-driving-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Cyber Insurance: Navigating the Ever-Changing Risk Landscape](https://www.insuracarelife.com/blog/cyber-insurance-navigating-the-ever-changing-risk-landscape/): Run Time: 3:47 Cyber Insurance: Navigating the Ever-Changing Risk Landscape (No Ratings Yet) Loading… 103 views Close Embed Video Use the below code to add this video to your website. As cyber threats evolve, the insurance industry struggles to keep pace, leading to shifting policies, increasing exclusions, and unexpected coverage gaps. Watch this highlight from […]
- [Trump Says His Tariffs Will Address Unfair Global Trade. Is He Right?](https://www.insuracarelife.com/blog/trump-says-his-tariffs-will-address-unfair-global-trade-is-he-right/): President Trump has accused America’s trading partners of undermining the United States for decades, saying they have engaged in unfair trade practices to steal the country’s wealth and enrich their own economies. He has set his sights on not only adversaries like China, but also traditional allies like Canada and Europe. And he has complained […]
- [Ways to help make healthy New Year’s resolutions stick by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/ways-to-help-make-healthy-new-years-resolutions-stick-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Trump Says His Tariffs Will Take Effect Wednesday](https://www.insuracarelife.com/blog/trump-says-his-tariffs-will-take-effect-wednesday/): President Trump has settled on a final plan for sweeping “reciprocal” tariffs, which are expected to take effect on Wednesday after he announces the details at an afternoon Rose Garden ceremony. The White House press secretary, Karoline Leavitt, confirmed the timeline in a briefing with reporters on Tuesday, adding that Mr. Trump had been huddling […]
- [Tips to protect your pipes from winter weather by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/tips-to-protect-your-pipes-from-winter-weather-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Trump’s Tariff Agenda Bets on Americans Giving Up Cheap Goods](https://www.insuracarelife.com/blog/trumps-tariff-agenda-bets-on-americans-giving-up-cheap-goods/): Follow the latest news on the Trump administration. President Trump’s sweeping tariffs are expected to raise the cost of cars, electronics, metals, lumber, pharmaceuticals and other products that American consumers and businesses buy from overseas. But Mr. Trump and his advisers are betting that they can sell an inflation-weary public on a provocative idea: Cheap […]
- [Home insurance tips for homebuyers by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/home-insurance-tips-for-homebuyers-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [AI Is Barrier-Buster for Business & IT](https://www.insuracarelife.com/blog/ai-is-barrier-buster-for-business-it/): Run Time: 31:25 AI Is Barrier-Buster for Business & IT (No Ratings Yet) Loading… 116 views Close Embed Video Use the below code to add this video to your website. Most insuretechs aren’t about flashy consumer-focused websites. They improve the plumbing — all the workflows behind the scenes never seen by agents and consumers. Sound […]
- [Trump Announces 25% Tariffs on Imported Cars and Car Parts](https://www.insuracarelife.com/blog/trump-announces-25-tariffs-on-imported-cars-and-car-parts/): President Trump said on Wednesday that he would impose a 25 percent tariff on cars and car parts that were imported into the United States, a move that is likely to raise prices for American consumers and throw supply chains into disarray as the president seeks to bolster U.S. manufacturing. The tariffs will go into […]
- [Copay Adjustment Programs: What Are They and What Do They Mean for Consumers?](https://www.insuracarelife.com/blog/copay-adjustment-programs-what-are-they-and-what-do-they-mean-for-consumers/): Americans spend on average more than $1,000 per person per year on prescription drugs, far surpassing prescription drug spending in other peer nations. According to a 2023 KFF poll, 3 in 10 adults taking prescription drugs report that they have not taken their medication as prescribed due to costs. In a 2023 KFF consumer survey, […]
- [How to save money on car insurance by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/how-to-save-money-on-car-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [They Want More Babies. Now They Have Friends in the Trump White House.](https://www.insuracarelife.com/blog/they-want-more-babies-now-they-have-friends-in-the-trump-white-house/): The American conservative movement has long worked to put the nuclear family at the center of cultural and economic life. Lately, it has added a twist. It wants to make those families bigger. As fertility rates have declined, a “pronatalist” cluster on the right wing has been making the argument that public policy should encourage […]
- [Ten Things to Watch for 2025 ACA Open Enrollment](https://www.insuracarelife.com/blog/ten-things-to-watch-for-2025-aca-open-enrollment/): On the heels of three straight years of record high enrollment, the 12th annual Affordable Care Act (ACA) Marketplace open enrollment season will be another opportunity for more people to gain coverage. It is also an opportunity for people already enrolled to make changes to their health plan. Here are ten things to know about […]
- [Lightning safety tips by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/lightning-safety-tips-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Trump Auto Tariffs: How Major Car Brands Would Be Affected](https://www.insuracarelife.com/blog/trump-auto-tariffs-how-major-car-brands-would-be-affected/): The tariffs on cars and auto parts that President Trump announced on Wednesday will have far-reaching effects on automakers in the United States and abroad. But there will be important differences based on the circumstances of each company. Tesla The company run by Mr. Trump’s confidant, Elon Musk, makes the cars it sells in the […]
- [How Does the Department of Health and Human Services (HHS) Impact Health and Health Care?](https://www.insuracarelife.com/blog/how-does-the-department-of-health-and-human-services-hhs-impact-health-and-health-care/): With President Trump now in office, his cabinet nominees continue to testify at congressional hearings as part of the nomination process. Robert F. Kennedy Jr. is the nominee to be the secretary of the Department of Health and Human Services (HHS), and his nomination hearings will spotlight a range of HHS activities but may not […]
- [Learn what different smoke alarm sounds mean by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/learn-what-different-smoke-alarm-sounds-mean-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 100: More Cowbell, More Resilience: How the Five-Year-Old Cyber InsurTech is Empowering Small Businesses](https://www.insuracarelife.com/blog/ep-100-more-cowbell-more-resilience-how-the-five-year-old-cyber-insurtech-is-empowering-small-businesses/): Run Time: 50:50 EP. 100: More Cowbell, More Resilience: How the Five-Year-Old Cyber InsurTech is Empowering Small Businesses (No Ratings Yet) Loading… 1,906 views Close Embed Video Use the below code to add this video to your website. In this special 100th episode of the Insuring Cyber podcast, tune into an exclusive interview with the […]
- [Inflation Remained Sticky Ahead of Trump’s Escalating Trade War, PCE Data Shows](https://www.insuracarelife.com/blog/inflation-remained-sticky-ahead-of-trumps-escalating-trade-war-pce-data-shows/): Americans hoping for some relief on inflation suffered a setback in February, as new data showed underlying price pressures intensifying even before the latest escalation in President Trump’s trade war and consumers pulled back on spending. The Personal Consumption Expenditures price index, after stripping out volatile food and energy items, climbed 2.8 percent in February […]
- [Patient Cost-Sharing Complexities and Consumer Protections](https://www.insuracarelife.com/blog/patient-cost-sharing-complexities-and-consumer-protections/): From understanding health insurance terminology like “deductibles” and “copays” to deciphering the contents of a bill, consumers can face various barriers when trying to understand the costs associated with their health insurance coverage. This lack of understanding may contribute to frustration and cost-related problems and can have far-reaching effects on consumer health and finances. The […]
- [Why carbon monoxide is dangerous by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/why-carbon-monoxide-is-dangerous-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 101: Insuring Cyber Risk in a Shifting Political Landscape](https://www.insuracarelife.com/blog/ep-101-insuring-cyber-risk-in-a-shifting-political-landscape/): Run Time: 33:49 EP. 101: Insuring Cyber Risk in a Shifting Political Landscape (No Ratings Yet) Loading… 426 views Close Embed Video Use the below code to add this video to your website. In this episode, Melissa Ventrone of law firm Clark Hill and Arthur Armstrong of law firm Reed Smith joined The Insuring Cyber […]
- [With Car Tariffs, Trump Puts His Unorthodox Trade Theory to the Test](https://www.insuracarelife.com/blog/with-car-tariffs-trump-puts-his-unorthodox-trade-theory-to-the-test/): President Trump and his supporters have clashed with mainstream economists for years about the merits of tariffs. Now, the world will get to see who is right, as the president’s sweeping levies on automobiles and auto parts play out in a real-time experiment on the global economy. In Mr. Trump’s telling, tariffs have a straightforward […]
- [New Rule Proposes Changes to ACA Coverage of Gender-Affirming Care, Potentially Increasing Costs for Consumers](https://www.insuracarelife.com/blog/new-rule-proposes-changes-to-aca-coverage-of-gender-affirming-care-potentially-increasing-costs-for-consumers/): On March 10th, CMS issued a proposed rule that seeks to change how plans sold on and off the Affordable Care Act’s (ACA) Marketplaces (plans for individuals and small businesses), would cover gender affirming care services, which the rule calls “coverage for sex-trait modification.” The rule proposes, beginning plan year 2026, to prohibit insurers from […]
- [When Does Motorcycle Insurance Go Down? Understanding Factors that Affect Your Premium](https://www.insuracarelife.com/blog/motorcycle-insurance-go-down/): Introduction to Motorcycle Insurance Motorcycle insurance is a critical component for any motorcycle owner, as it provides financial protection against various risks associated with riding. Much like auto insurance, motorcycle insurance covers liability, damage, and injury that can occur during an accident. Understanding the components of a motorcycle insurance policy is essential for riders to […]
- [Keeping college students healthy and safe by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/keeping-college-students-healthy-and-safe-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Debt as an Asset - Insurance Journal TV](https://www.insuracarelife.com/blog/debt-as-an-asset-insurance-journal-tv/): Run Time: 41:08 Debt as an Asset (No Ratings Yet) Loading… 632 views Close Embed Video Use the below code to add this video to your website. On this recording we welcome back Dave Tralka, our knowledgeable and friendly banker who understands a thing or two about independent agents. Dave is CEO of InsurBanc, the […]
- [U.S. Could Run Out of Cash by July, Analysis Finds](https://www.insuracarelife.com/blog/u-s-could-run-out-of-cash-by-july-analysis-finds/): The United States could run out of cash to continue paying its bills by mid-July if Congress does not take action to raise or suspend the nation’s debt limit, according to an analysis on Monday by the Bipartisan Policy Center. That deadline, known as the “X-date” — the moment when the United States is unable […]
- [What happens if my car is totaled? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/what-happens-if-my-car-is-totaled-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [101: A Softer EPL Market for Dispensaries, But Claims Are on The Rise](https://www.insuracarelife.com/blog/101-a-softer-epl-market-for-dispensaries-but-claims-are-on-the-rise/): Run Time: 21:32 101: A Softer EPL Market for Dispensaries, But Claims Are on The Rise (No Ratings Yet) Loading… 55 views Close Embed Video Use the below code to add this video to your website. Dispensaries may be getting a bit of a break on employment practices liability insurance in recent times as capacity […]
- [Trump Has Hinted at a Xi Visit. China Is Still Wondering What He Wants.](https://www.insuracarelife.com/blog/trump-has-hinted-at-a-xi-visit-china-is-still-wondering-what-he-wants/): President Trump fueled new speculation this week about a meeting with China’s top leader, Xi Jinping, when he told reporters that Washington needed to be cleaned up to prepare for a summit between the two leaders in the “not too distant future.” Mr. Trump provided no details, and China has said nothing publicly about any […]
- [TDI has consumer information in Spanish by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/tdi-has-consumer-information-in-spanish-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 10: Insurance, Frozen Lizards, and Golf Fashion!](https://www.insuracarelife.com/blog/ep-10-insurance-frozen-lizards-and-golf-fashion/): Run Time: 37:33 EP. 10: Insurance, Frozen Lizards, and Golf Fashion! (No Ratings Yet) Loading… 502 views Close Embed Video Use the below code to add this video to your website. Join Golfertainment George, Patrick Wraight, and Kevin Amrhein as they tee off on Florida Man insurance fraud, bizarre cold-weather lizard claims, and the potential […]
- [Can I Drive My Parents' Car with Their Insurance? 2025](https://www.insuracarelife.com/blog/drive-my-parents-car-with-insurance/): Understanding Car Insurance Basics Car insurance is a contract between the vehicle owner and an insurance company that provides financial protection in the event of an accident, theft, or damage to the vehicle. It operates primarily on the principle of risk management, where the insured pays a premium, and in exchange, the insurance provider covers […]
- [How to Become a Licensed Insurance Agent in Indiana: A Step-by-Step Guide](https://www.insuracarelife.com/blog/become-a-licensed-insurance-agent/): If you’re interested in starting a career in the insurance industry in Indiana, becoming a licensed insurance agent is the first step. Insurance agents play an essential role in helping individuals and businesses choose the right insurance policies, whether for life, health, auto, or home. In Indiana, the process of becoming a licensed insurance agent […]
- [Trump and DOGE Create Anxiety but Opportunity for Federal Contractors](https://www.insuracarelife.com/blog/trump-and-doge-create-anxiety-but-opportunity-for-federal-contractors/): A contracting firm called Leidos took in more than $16 billion in revenue last year, most of it through contracts with federal agencies like the Department of Veterans Affairs. So when the Trump administration’s budget cutters took aim at the V.A. last month, it seemed like bad news not just for the department’s employees but […]
- [Mental health treatment and insurance by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/mental-health-treatment-and-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [ILS market poised for strong growth after ‘exceptional’ 2024 :: Insurance Day](https://www.insuracarelife.com/blog/ils-market-poised-for-strong-growth-after-exceptional-2024-insurance-day/): As for any other property catastrophe business, predictions for the insurance-linked securities (ILS) market depend on what Mother Nature does this year. However, industry experts are largely optimistic the alternative capital markets will keep growing in 2025 and will keep offering strong returns for investors. Although still the smaller portion of overall reinsurance capacity, the ILS […]
- [From Farm to Cybersecurity: How Cowbell is Innovating Cyber Insurance](https://www.insuracarelife.com/blog/from-farm-to-cybersecurity-how-cowbell-is-innovating-cyber-insurance/): Run Time: 3:29 From Farm to Cybersecurity: How Cowbell is Innovating Cyber Insurance (No Ratings Yet) Loading… 874 views Close Embed Video Use the below code to add this video to your website. Cowbell’s Founder and CEO, Jack Kudale, shares his inspiring journey from growing up on a small farm to leading a cybersecurity insurance […]
- [Undocumented Workers, Fearing Deportation, Are Staying Home](https://www.insuracarelife.com/blog/undocumented-workers-fearing-deportation-are-staying-home/): The railroad tracks that slice through downtown Freehold, N.J., used to be lined by dozens of men, waiting for work. Each morning, the men — day laborers, almost all from Latin America and undocumented — would be scooped up by local contractors in pickup trucks for jobs painting, landscaping, removing debris. In recent weeks, the […]
- [Health Insurance Complexities and Consumer Protections](https://www.insuracarelife.com/blog/health-insurance-complexities-and-consumer-protections/): The U.S. health insurance system has become a “complex labyrinth” for consumers to understand and navigate. Whether public or private coverage, the information needed and the hoops the average health care consumer must go through to use their health coverage effectively is itself a public policy concern, exacerbating continued access and affordability challenges. The KFF […]
- [TDI embeds prosecutors in DA offices to investigate insurance fraud](https://www.insuracarelife.com/blog/tdi-embeds-prosecutors-in-da-offices-to-investigate-insurance-fraud/): Five lawyers in TDI’s Fraud Unit work in district attorney’s (DA) offices in Tarrant, Bexar, Dallas, Harris, and Travis counties to prosecute insurance fraud. The program’s chief prosecutor, Kyson Johnson, helped start the program 20 years ago. What value does TDI bring to DA’s offices? TDI’s embedded lawyers know about complex insurance issues and can […]
- [The coming of age of non-catastrophe insurance-linked securities :: Insurance Day](https://www.insuracarelife.com/blog/the-coming-of-age-of-non-catastrophe-insurance-linked-securities-insurance-day/): For the past decade, casualty and specialty (non-cat) insurance-linked securities (ILS) have largely been in the shadows of the more established property catastrophe ILS market. However, as non-cat ILS has matured, it has started to garner significant interest from investors. These backers have typically invested in property catastrophe exposure but now, for many, the non-cat […]
- [Association Champions Black Insurance Pros](https://www.insuracarelife.com/blog/association-champions-black-insurance-pros/): Run Time: 39:15 Association Champions Black Insurance Pros (No Ratings Yet) Loading… 219 views Close Embed Video Use the below code to add this video to your website. Here’s a chance to meet a young, dynamic leader in Omari Aarons-Martin, who oversees the National African American Insurance Association. Omari outlines the history of NAAIA, founded […]
- [Trump Turns Up Trade Pressure on China After Beijing Fails to Come Running](https://www.insuracarelife.com/blog/trump-turns-up-trade-pressure-on-china-after-beijing-fails-to-come-running/): When President Trump threatened tariffs on Canada, Mexico and China in January, saying those countries needed to do more to stop the flow of drugs and migrants into the United States, Canadian and Mexican officials raced to Washington, bearing charts and videos detailing their efforts to toughen their borders. Canada created a “fentanyl czar” and […]
- [Challenges with Effective Price Transparency Analyses](https://www.insuracarelife.com/blog/challenges-with-effective-price-transparency-analyses/): Promoting price transparency in health care is a policy approach with bi-partisan support in Congress and the public at large, and the first Trump administration finalized regulations that require group health plans and insurers to make detailed data with all their in-network payment rates available with the objective that such transparency would increase price competition […]
- [Should I Get Earthquake Insurance in South Carolina? A Comprehensive Guide](https://www.insuracarelife.com/blog/should-i-get-earthquake-insurance-in-south-carolina/): When it comes to protecting your home and assets, insurance is a critical part of the equation. Many homeowners in the United States are familiar with the importance of standard home insurance, but there’s one form of coverage that often gets overlooked—earthquake insurance. In states like California and Alaska, it’s common to have earthquake insurance, […]
- [Understanding Workers Compensation Insurance Certificates: A Comprehensive Guide](https://www.insuracarelife.com/blog/workers-compensation-insurance-certificates/): Introduction to Workers Compensation Insurance Workers compensation insurance serves a crucial role in the realm of employee protection and workplace safety. At its core, this type of insurance is designed to provide financial support and medical benefits to workers who sustain injuries or illnesses as a direct result of their job responsibilities. It functions not […]
- [Breaking Down Common Ownership Rules for Health Insurance](https://www.insuracarelife.com/blog/common-ownership-rules-for-health-insurance/): When it comes to health insurance, understanding the rules surrounding common ownership is crucial, particularly for business owners who are looking to provide insurance for their employees or themselves. Common ownership rules for health insurance play a vital role in determining eligibility, premiums, and the types of coverage available. Whether you’re a business owner, a […]
- [Understanding Provident Mutual Life Insurance: A Comprehensive Guide](https://www.insuracarelife.com/blog/provident-mutual-life-insurance/): Introduction to Provident Mutual Life Insurance Provident Mutual Life Insurance has a distinguished history that dates back to its founding in the late 19th century. Established with the mission to offer reliable life insurance solutions, this company was built on the principles of mutuality, where policyholders are not just customers but also members who share […]
- [Tips to understand Medicare open enrollment by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/tips-to-understand-medicare-open-enrollment-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Moving and Storage Insurance: What’s Covered and Why You Need It](https://www.insuracarelife.com/blog/moving-and-storage-insurance/): Whether you’re moving across town or across the country, moving your belongings is a big undertaking. From carefully packing your furniture to securing transportation, there’s a lot to manage. But one crucial aspect of your move that you might overlook is insurance. Moving and storage insurance is a way to protect your belongings during the […]
- [Understanding Gap Insurance in Florida: What You Need to Know](https://www.insuracarelife.com/blog/gap-insurance-in-florida/): What is Gap Insurance? Gap insurance is a specific type of automobile insurance designed to protect car owners from financial loss in the event of a total loss of their vehicle, such as in cases of theft or accidents. When a vehicle is financed, the owner typically owes a certain amount to the lender, which […]
- [Understanding Physicians Mutual Dental Insurance: Coverage, Benefits, and More](https://www.insuracarelife.com/blog/physicians-mutual-dental-insurance/): Overview of Physicians Mutual Dental Insurance Physicians Mutual Dental Insurance has established a prominent place in the dental insurance marketplace, offering a range of plans tailored to meet the diverse needs of individuals and families. Founded in 1902, the company has a longstanding history of providing affordable and accessible insurance solutions. Its mission is to […]
- [Wildfires expected to reverse reinsurance price decline, CEOs say :: Insurance Day](https://www.insuracarelife.com/blog/wildfires-expected-to-reverse-reinsurance-price-decline-ceos-say-insurance-day/): The California wildfire losses will reverse the decline in property catastrophe reinsurance rates at the mid-year renewals and increase demand for cover, senior industry executives have predicted.  Everest Group chief executive, Jim Williamson, said the scale of the losses, which could surpass $40bn, will have a “positive impact” on pricing. Jim Williamson, president and chief […]
- [Understanding Car vs Motorcycle Insurance: A Comprehensive Comparison](https://www.insuracarelife.com/blog/understanding-car-vs-motorcycle-insurance/): Introduction to Vehicle Insurance Vehicle insurance plays a critical role in safeguarding the financial interests of vehicle owners, whether they possess a car or a motorcycle. It offers a safety net against various risks, including accidents, theft, and damage, which could result in significant financial burdens if one were to navigate them independently. Understanding the […]
- [The Insuring Cannabis Podcast - 100th Episode Alert!](https://www.insuracarelife.com/blog/the-insuring-cannabis-podcast-100th-episode-alert/): Run Time: 19 The Insuring Cannabis Podcast – 100th Episode Alert! (No Ratings Yet) Loading… 481 views Close Embed Video Use the below code to add this video to your website. The Insuring Cannabis Podcast launched at a time of uncertainty — pandemic lockdowns, shifting regulations, and a rapidly growing cannabis industry. Now, 100 episodes […]
- [Short Term Disability Insurance vs Long Term Disability Insurance: What You Need to Know](https://www.insuracarelife.com/blog/short-term-vs-long-term-disability-insurance/): Accidents and illnesses can happen unexpectedly, leaving individuals unable to work and earn a living. In such cases, disability insurance becomes a crucial financial safety net. However, when it comes to disability insurance, there are two main types: Short Term Disability Insurance (STDI) and Long Term Disability Insurance (LTDI). Understanding the differences between these two […]
- [A Trade War Is on Hold, but Trump’s Motives and a Fix Remain Uncertain](https://www.insuracarelife.com/blog/a-trade-war-is-on-hold-but-trumps-motives-and-a-fix-remain-uncertain/): When I returned to Windsor, Ontario, the day before President Trump was set to impose potentially devastating tariffs on exports from Canada, fear was the city’s prevailing mood. A week later, following Mr. Trump’s suspension of a 25 percent tariff on most exports and 10 percent on oil, the mood has shifted more toward anger […]
- [Congressional District Interactive Map: How Much Will ACA Premium Payments Rise if Enhanced Subsidies Expire?](https://www.insuracarelife.com/blog/congressional-district-interactive-map-how-much-will-aca-premium-payments-rise-if-enhanced-subsidies-expire/): Enhanced Affordable Care Act (ACA) subsidies were first made available as part of the American Rescue Plan Act in 2021 and were extended through the end of 2025 by the Inflation Reduction Act. The enhanced subsidies build on the ACA’s original tax credits by increasing the amount of premium assistance lower-income enrollees receive, and by […]
- [Pet Insurance Lifetime Cover: Ensuring Your Pet’s Health for Life](https://www.insuracarelife.com/blog/pet-insurance-lifetime-cover/): As a pet owner, you want to ensure your furry companion lives a long, healthy, and happy life. However, the unexpected can happen at any time, from accidents to sudden illnesses. The financial burden of treating these conditions can be overwhelming without proper coverage. This is where pet insurance lifetime cover becomes invaluable. Pet insurance […]
- [Looking for health insurance? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/looking-for-health-insurance-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding the Role of an Insurance Verification Specialist](https://www.insuracarelife.com/blog/insurance-verification-specialist/): What is an Insurance Verification Specialist? The role of an insurance verification specialist is vital within the healthcare system, tasked with ensuring the accuracy of insurance-related processes. Primarily, an insurance verification specialist is responsible for confirming patients’ insurance benefits prior to their treatment. This involves thorough communication with patients, insurance companies, and healthcare providers to […]
- [How to Find and Choose High-Quality Urgent Care Insurance](https://www.insuracarelife.com/blog/high-quality-urgent-care-insurance/): Understanding Urgent Care Insurance Urgent care insurance is a specialized type of health insurance designed to cover the costs associated with medical services provided at urgent care facilities. These facilities aim to bridge the gap between primary care and emergency rooms, offering immediate care for non-life-threatening conditions that require prompt attention. The significance of high-quality […]
- [The Best Life Insurance Plans for Single Moms: Protect Your Future](https://www.insuracarelife.com/blog/life-insurance-plans-for-single-moms/): As a single mom, your primary concern is likely the well-being and future of your children. Whether you’re the sole provider or just want to ensure your family’s security in the event of the unexpected, life insurance is one of the most important financial tools you can have. It ensures that your children are financially […]
- [Understanding Life Insurance Options for Grandparents](https://www.insuracarelife.com/blog/life-insurance-for-grandparents/): Introduction to Life Insurance for Grandparents Life insurance for grandparents plays a crucial role in ensuring financial stability for their families. As individuals advance in age, contemplating the legacy they will leave behind becomes increasingly significant. This kind of life insurance serves as a safety net, offering peace of mind that the financial needs of […]
- [Market Forces Impact Personal Lines](https://www.insuracarelife.com/blog/market-forces-impact-personal-lines/): Run Time: 41:11 Market Forces Impact Personal Lines (No Ratings Yet) Loading… 57 views Close Embed Video Use the below code to add this video to your website. On this installment, we check in with Luke Bills, president of independent agent distribution for Liberty Mutual’s U.S. retail markets. Luke outlines challenges for agents, including consolidation […]
- [Roof Inspections for Insurance Claims: Ensuring You Get the Coverage You Deserve](https://www.insuracarelife.com/blog/roof-inspections-for-insurance-claims/): Roof Inspections for Insurance Claims: When your roof is damaged, whether due to a storm, falling tree, or general wear and tear, one of the first things you’ll likely do is file an insurance claim. However, this process can be complex, and it’s crucial to ensure that your claim is properly supported and accurately assessed. […]
- [Why Regional Insurance Brokers Are Your Best Bet for Personalized Coverage](https://www.insuracarelife.com/blog/regional-insurance-brokers/): Introduction to Regional Insurance Brokers Regional insurance brokers play a vital role in the insurance marketplace, focusing on providing personalized coverage tailored to the unique needs of local clients. Unlike national insurance providers, regional brokers operate within a specific geographic area, utilizing their in-depth understanding of the community to deliver customized insurance solutions. This localized […]
- [Trump’s Tariffs Would Reverse Decades of Integration Between U.S. and Mexico](https://www.insuracarelife.com/blog/trumps-tariffs-would-reverse-decades-of-integration-between-u-s-and-mexico/): When Dennis Nixon started working at a regional bank in Laredo, Texas, in 1975, there was just a trickle of trade across the border with Mexico. Now, nearly a billion dollars of commerce and more than 15,000 trucks roll over the line every day just a quarter mile from his office, binding the economies of […]
- [Scams older adults should steer clear of by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/scams-older-adults-should-steer-clear-of-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Understanding the Role of Insurance Agents in Accident Scenarios](https://www.insuracarelife.com/blog/role-of-insurance-agents-in-accident-scenarios/): Introduction to Insurance Agents and Their Responsibilities Insurance agents play a crucial role in the insurance industry, acting as intermediaries between clients and insurance providers. Their primary function involves assisting clients in identifying insurance needs, evaluating different policies, and facilitating the purchase of coverage that is best suited for the client’s circumstances. Insurance agents are […]
- [Understanding Lake Point Insurance: Comprehensive Coverage for Peace of Mind](https://www.insuracarelife.com/blog/lake-point-insurance/): What is Lake Point Insurance? Lake Point Insurance has established itself as a reputable entity in the insurance sector, with a foundational history rooted in customer service and community engagement. Founded with a vision to provide reliable insurance solutions, Lake Point Insurance operates with the mission of ensuring peace of mind for its clients through […]
- [How Crossroads Health Insurance is Revolutionizing Health Coverage](https://www.insuracarelife.com/blog/crossroads-health-insurance/): Introduction to Crossroads Health Insurance Crossroads Health Insurance is an innovative player in the health insurance landscape, having been founded with a vision to address the diverse needs of individuals and families in an increasingly complex healthcare environment. The company emerged from a recognition of the shortcomings in traditional health coverage models, which often leave […]
- [EP. 95: Full Speed Ahead: How Rideshare is Driving the Future of On-Demand Insurance](https://www.insuracarelife.com/blog/ep-95-full-speed-ahead-how-rideshare-is-driving-the-future-of-on-demand-insurance/): Run Time: 17:42 EP. 95: Full Speed Ahead: How Rideshare is Driving the Future of On-Demand Insurance (+1 rating, 1 votes) Loading… 632 views Close Embed Video Use the below code to add this video to your website. In this InsurTech update episode of The Insuring Cyber Podcast, Dan Bratshpis, CEO of InsurTech Inshur, discusses […]
- [Types of insurance fraud by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/types-of-insurance-fraud-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Hanley Guides Agents at InsureTech](https://www.insuracarelife.com/blog/hanley-guides-agents-at-insuretech/): Run Time: 45:22 Hanley Guides Agents at InsureTech (No Ratings Yet) Loading… 877 views Close Embed Video Use the below code to add this video to your website. On this installment, we catch up with Ryan Hanley, a popular speaker, podcaster, consultant, thought leader on LinkedIn and Instagram, and a former independent agent. If you […]
- [Prepare for spring weather by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/prepare-for-spring-weather-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [How Embedded Insurance is Revolutionizing On-Demand Driving](https://www.insuracarelife.com/blog/how-embedded-insurance-is-revolutionizing-on-demand-driving/): Run Time: 3:13 How Embedded Insurance is Revolutionizing On-Demand Driving (No Ratings Yet) Loading… 526 views Close Embed Video Use the below code to add this video to your website. Embedded insurance offers on-demand drivers flexible, affordable coverage, while providing platforms with a streamlined, trusted onboarding process. To watch the full interview with Elizabeth Blosfield […]
- [Lutnick Grilled on Trump’s Tariffs and China During Confirmation Hearing](https://www.insuracarelife.com/blog/lutnick-grilled-on-trumps-tariffs-and-china-during-confirmation-hearing/): Howard Lutnick, a wealthy donor to President Trump who has been picked to lead the Commerce Department, defended Mr. Trump’s plans to impose broad tariffs and said he would take a tough stance on technology sales to China during his Senate confirmation hearing on Wednesday. If confirmed, Mr. Lutnick would lead on trade policy and […]
- [Hurricane preparedness by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/hurricane-preparedness-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [EP. 96: InsurTechs Talk Trends, Superpowers at ITC Las Vegas](https://www.insuracarelife.com/blog/ep-96-insurtechs-talk-trends-superpowers-at-itc-las-vegas/): Run Time: 7:08 EP. 96: InsurTechs Talk Trends, Superpowers at ITC Las Vegas (+1 rating, 1 votes) Loading… 713 views Close Embed Video Use the below code to add this video to your website. For this episode of The Insuring Cyber Podcast, we’re taking a look at highlights from the Insurtech Connect conference, held this […]
- [Understanding Life Insurance: Policies That Generate Immediate Cash Value](https://www.insuracarelife.com/blog/life-insurance-policies-that-generate-immediate-cash-value/): Introduction to Life Insurance Life insurance is a financial product designed to provide monetary benefits to beneficiaries in the event of the insured individual’s death. This safety net aims to ensure that loved ones are protected against financial hardships, such as outstanding debts, mortgage payments, and daily living expenses. In essence, life insurance serves a […]
- [Understanding Motorcycle Insurance Costs in Virginia for 2025](https://www.insuracarelife.com/blog/motorcycle-insurance-costs-in-virginia-for-2025/): Introduction to Motorcycle Insurance in Virginia Motorcycle insurance serves a critical function in safeguarding both the rider and their vehicle. It provides financial protection against potential liabilities arising from accidents, theft, or damage. In the state of Virginia, where motorcycle culture is prominent and roads are often traveled by two-wheeled vehicles, understanding motorcycle insurance is […]
- [Why High Net Worth Clients Face Great Cyber Risk](https://www.insuracarelife.com/blog/why-high-net-worth-clients-face-great-cyber-risk/): Run Time: 2:06 Why High Net Worth Clients Face Great Cyber Risk (No Ratings Yet) Loading… 44 views Close Embed Video Use the below code to add this video to your website. High net worth individuals often carry public profiles that make them uniquely vulnerable to cyber threats. From executives and celebrities to board members […]
- [U.S. and China Agree to Resume Trade Truce After Tensions Escalated](https://www.insuracarelife.com/blog/u-s-and-china-agree-to-resume-trade-truce-after-tensions-escalated/): The United States and China agreed to roll back some of the punitive measures they had taken against each other’s economies and return to a trade truce reached in May, officials from both countries said on Tuesday. After two days of marathon negotiations in London, top economic officials from the United States and China are […]
- [EP. 12: Is Magic the Secret Sauce for Turning Insurance Careers Into Show‑Stopping Success?](https://www.insuracarelife.com/blog/ep-12-is-magic-the-secret-sauce-for-turning-insurance-careers-into-show%e2%80%91stopping-success/): Run Time: 56:05 EP. 12: Is Magic the Secret Sauce for Turning Insurance Careers Into Show‑Stopping Success? (No Ratings Yet) Loading… 23 views Close Embed Video Use the below code to add this video to your website. Get ready for an exciting episode of Golfertainment with Golfertainment George, Patrick Wraight, and Kevin Amrhein as they […]
- [Trump Administration Holds Trade Talks With China as Fight Over Rare Earths Escalates](https://www.insuracarelife.com/blog/trump-administration-holds-trade-talks-with-china-as-fight-over-rare-earths-escalates/): If the United States and China have succeeded at one thing this year, it is finding each other’s pain points. An initial clash over tariffs has grown in recent months into a competition over which country can weaponize its control over the other’s supply chains. China has clamped down on global shipments of rare minerals […]
- [Does Discover Card Have Car Rental Insurance in Ohio?](https://www.insuracarelife.com/blog/does-discover-card-have-car-rental-insurance-in-ohio/): Introduction to Car Rental Insurance Car rental insurance is a critical aspect of the travel experience, particularly for those who frequently rent vehicles. It serves as a protective measure against potential financial liabilities arising from damages, theft, or accidents that may occur during the rental period. Understanding how car rental insurance works is essential for […]
- [Will Insurance Cover Plastic Surgery for Mental Health in NYC?](https://www.insuracarelife.com/blog/will-insurance-cover-plastic-surgery-for-mental-health-in-nyc/): Understanding Plastic Surgery and Mental Health The relationship between plastic surgery and mental health is a multifaceted issue that warrants careful consideration. Numerous individuals seek cosmetic surgery for various reasons, often linking their desire for change to feelings of inadequacy or distress associated with their physical appearance. Conditions such as body dysmorphic disorder (BDD), depression, […]
- [This InsureTech Loves Policy Language](https://www.insuracarelife.com/blog/this-insuretech-loves-policy-language/): Run Time: 33:07 This InsureTech Loves Policy Language (No Ratings Yet) Loading… 56 views Close Embed Video Use the below code to add this video to your website. Would you relish reading insurance contracts on a Sunday afternoon so you can properly counsel your client on what they should buy? Do we hear a “Hell, […]
- [Understanding Commissions for Health Insurance Agents in Ohio](https://www.insuracarelife.com/blog/commissions-for-health-insurance-agents-in-ohio/): Introduction to Health Insurance in Ohio The health insurance landscape in Ohio is diverse and multifaceted, offering a range of options tailored to meet various needs of individuals and families. Various health insurance plans are available, including employer-sponsored plans, individual market policies, and government programs such as Medicaid and Medicare. Understanding these options is crucial […]
- [Understanding Life Insurance Application Rejections: Key Reasons Explained](https://www.insuracarelife.com/blog/life-insurance-application-rejections/): Introduction to Life Insurance Rejections Life insurance serves as a critical financial safety net, offering peace of mind to individuals and their families during uncertain times. However, the process of securing coverage involves the submission of a life insurance application, which can, unfortunately, be met with rejection. Understanding why a life insurance application may be […]
- [Understanding First Party Benefits in Car Insurance in Ohio](https://www.insuracarelife.com/blog/first-party-benefits-in-car-insurance-in-ohio/): Introduction to First Party Benefits When navigating the realm of car insurance in Ohio, it is crucial to understand the fundamental aspect of first party benefits. These benefits are designed to provide financial coverage for a policyholder’s own injuries and damages resulting from an automobile accident. What sets first party benefits apart is the assurance […]
- [Health Insurance Marketplace Calculator | KFF](https://www.insuracarelife.com/blog/health-insurance-marketplace-calculator-kff/): The FAQs below are intended to help you understand this Calculator. More detailed questions and answers about signing up for coverage are available on our Marketplace FAQ page. Where can I go for help understanding how the health reform law will affect me? If you have questions about how the health reform law will affect […]
- [How much are braces in georgia without insurance](https://www.insuracarelife.com/blog/how-much-are-braces-in-georgia-without-insurance/): ​If you’re considering braces in Georgia and lack dental insurance, understanding the potential costs is crucial. The price of braces can vary based on the type of treatment, the complexity of your case, and the orthodontic provider. Here’s a comprehensive overview to help you navigate the financial aspects of orthodontic care in Georgia. Average Cost […]
- [Can an Employer Change Health Insurance Mid-Year? A Guide](https://www.insuracarelife.com/blog/can-an-employer-change-health-insurance-mid-year/): Health insurance is a critical benefit provided by employers to their employees. It offers financial protection and access to medical care in times of need. However, employees may sometimes find themselves wondering whether their employer can change the health insurance plan mid-year and under what circumstances. In this detailed guide, we will explore whether an […]
- [Does Renters Insurance Cover Moving Losses in Boston?](https://www.insuracarelife.com/blog/does-renters-insurance-cover-moving-losses-in-boston/): Introduction to Renters Insurance Renters insurance is a type of insurance policy specifically designed to protect individuals who rent their homes or apartments. Unlike homeowners insurance, which covers the physical structure of a residence, renters insurance focuses on the personal belongings of tenants, providing crucial financial protection against various risks. The primary purpose of this […]
- [What is a Term Rider on Life Insurance in Ohio?](https://www.insuracarelife.com/blog/what-is-a-term-rider-on-life-insurance-in-ohio/): When it comes to life insurance, understanding the intricacies of different policies and riders can be crucial in ensuring that you, your family, and your beneficiaries are adequately protected. One of the options available with many life insurance policies is the term rider, which can be added to your policy to provide additional benefits. But […]
- [Understanding First Party Benefits in Car Insurance in Los Angeles](https://www.insuracarelife.com/blog/first-party-benefits-in-car-insurance-in-los-angeles/): Introduction to Car Insurance Car insurance is a critical component of vehicle ownership, serving both legal and financial protection for drivers. The primary purpose of car insurance is to safeguard against the financial ramifications that may arise from accidents, theft, or damage to the vehicle. By purchasing a car insurance policy, individuals can mitigate their […]
- [InsurTech Summit 2025 Wrap-Up: Overcoming Legacy Systems, AI and Industry Transformation](https://www.insuracarelife.com/blog/insurtech-summit-2025-wrap-up-overcoming-legacy-systems-ai-and-industry-transformation/): Run Time: 32:31 InsurTech Summit 2025 Wrap-Up: Overcoming Legacy Systems, AI and Industry Transformation (No Ratings Yet) Loading… 323 views Close Embed Video Use the below code to add this video to your website. In the second episode of the insurance wrap-up, the focus is on key insights from the 2025 InsurTech Summit, which showcased […]
- [The Performance of the Federal Independent Dispute Resolution Process through Mid-2024](https://www.insuracarelife.com/blog/the-performance-of-the-federal-independent-dispute-resolution-process-through-mid-2024/): The No Surprises Act, which was signed into law by President Trump during his first term and took effect in 2022, aims to protect consumers from certain surprise medical bills. The law established processes to keep the patient out of the payment negotiations between the provider and the plan. In the event of an unsuccessful […]
- [Should I Call a Lawyer or Insurance First in California?](https://www.insuracarelife.com/blog/should-i-call-a-lawyer-or-insurance-first-in-california/): Introduction In California, individuals involved in an accident or facing legal matters often find themselves grappling with a significant decision: should I call a lawyer or insurance first? This dilemma is pertinent, as the choice can influence the outcome of claims and legal proceedings. Each option presents its own set of implications, making it essential […]
- [Expansions to Health Savings Accounts in House Budget Reconciliation: Unpacking the Provisions and Costs to Taxpayers ](https://www.insuracarelife.com/blog/expansions-to-health-savings-accounts-in-house-budget-reconciliation-unpacking-the-provisions-and-costs-to-taxpayers/): The 2025 federal budget reconciliation bill passed by the House aims to promote the use of health savings accounts (HSA) through a variety of changes to the HSA provisions included in the 2003 law that created HSAs. While these changes could provide more incentives for individuals to use HSAs, they would cost the federal government […]
- [Titan Insurance vs. Colonial Life & Accident Insurance Company: Which is the Best Fit ?](https://www.insuracarelife.com/blog/titan-insurance-vs-colonial-life-accident-insurance-company/): When shopping for insurance, it’s important to choose a provider that not only fits your needs but also offers reliable service and coverage. Titan Insurance and Colonial Life & Accident Insurance Company are two well-known names in the insurance industry, but they focus on different types of insurance and cater to different needs. In this […]
- [EP. 103: Managing Digital Risks in the High-Net-Worth Space](https://www.insuracarelife.com/blog/ep-103-managing-digital-risks-in-the-high-net-worth-space/): Run Time: 28:13 EP. 103: Managing Digital Risks in the High-Net-Worth Space (No Ratings Yet) Loading… 83 views Close Embed Video Use the below code to add this video to your website. In this episode, Jason Ott, President of Aon Private Risk Management, and Diane Delaney, Executive Director of the Private Risk Management Association, spoke […]
- [Deductibles in ACA Marketplace Plans, 2014-2025](https://www.insuracarelife.com/blog/deductibles-in-aca-marketplace-plans-2014-2025/): These chart collections provide key data about deductibles and other cost-sharing requirements included in plans sold through the Affordable Care Act (ACA) health insurance marketplaces. Marketplace plans, like most other private health coverage, require enrollees to pay a portion of the cost when they access health services. Cost-sharing can include deductibles, copayments, and coinsurance, though […]
- [How to Become a Medicare Insurance Broker in Ohio](https://www.insuracarelife.com/blog/how-to-become-a-medicare-insurance-broker-in-ohio/): Understanding the Role of a Medicare Insurance Broker A Medicare insurance broker plays a crucial role in guiding individuals through the complexities of healthcare coverage options available under Medicare. Their primary responsibility involves assisting clients in understanding the various Medicare plans, including Medicare Parts A, B, C, and D. This requires a thorough knowledge of […]
- [Can You Sue an Insurance Company for False Information?](https://www.insuracarelife.com/blog/can-you-sue-an-insurance-company-for-false-information/): In today’s complex and highly regulated world of insurance, consumers rely on their insurers to provide accurate, truthful, and transparent information. Unfortunately, there are times when an insurance company may provide false or misleading information to policyholders. This can happen during the initial application process, when making a claim, or even in the communication of […]
- [Honeycomb Addresses Multifamily Housing Coverage](https://www.insuracarelife.com/blog/honeycomb-addresses-multifamily-housing-coverage/): Run Time: 38:26 Honeycomb Addresses Multifamily Housing Coverage (No Ratings Yet) Loading… 63 views Close Embed Video Use the below code to add this video to your website. On this installment we’re joined by Itai Ben-Zaken, founder and CEO of Honeycomb, an MGA with AI-driven technology to analyze aerial photographs of commercial building roofs to […]
- [Does Your Employer Pay Health Insurance While You're on Disability in the USA? A Guide](https://www.insuracarelife.com/blog/does-your-employer-pay-health-insurance-while-youre-on-disability-in-the-usa-a-guide/): Introduction Navigating health insurance coverage during a disability leave in the United States can be complex. Whether you’re on short-term or long-term disability, understanding your rights and your employer’s obligations is crucial. This guide provides an in-depth look at how health insurance is handled during disability leave, including federal and state laws, employer policies, and […]
- [Are Medical Pedicures Covered by Insurance in Ohio? 2025](https://www.insuracarelife.com/blog/are-medical-pedicures-covered-by-insurance-in-ohio/): Introduction For many, pedicures are a luxury—an occasional spa treatment for aesthetic purposes. But for others, especially those with chronic health conditions, proper foot care is a medical necessity. Enter the medical pedicure—a foot treatment that prioritizes hygiene and health over aesthetics. In Ohio, an increasing number of people are turning to medical pedicures, not […]
- [102: How Recreational Cannabis Laws Have Affected Workers’ Comp Claims](https://www.insuracarelife.com/blog/102-how-recreational-cannabis-laws-have-affected-workers-comp-claims/): Run Time: 12:34 102: How Recreational Cannabis Laws Have Affected Workers’ Comp Claims (No Ratings Yet) Loading… 154 views Close Embed Video Use the below code to add this video to your website. Has the adoption of recreational cannabis laws affected workers’ compensation claims? A new study from the Workers Compensation Research Institute seeks to […]
- [Are Insurance Companies Open on Holidays in California? | Full Guide 2025](https://www.insuracarelife.com/blog/are-insurance-companies-open-on-holidays-in-california/): Introduction Why This Question Matters in 2025 California is a bustling hub of activity, from tech startups in Silicon Valley to entertainment giants in Los Angeles. With this hustle comes the need for accessible and reliable insurance services. But what happens when a holiday rolls around? Are you left high and dry if you need […]
- [Marketplace Enrollees with Unpredictable Incomes Could Face Bigger Penalties Under House Reconciliation Bill Provision](https://www.insuracarelife.com/blog/marketplace-enrollees-with-unpredictable-incomes-could-face-bigger-penalties-under-house-reconciliation-bill-provision/): New legislative proposals released this week could potentially expose Marketplace enrollees to higher costs if their income at the end of the year differs from what they originally estimated. Most Marketplace enrollees (92% in 2025) receive a tax credit to help pay their premiums, and the vast majority of those receive the credit in advance […]
- [Will My Car Insurance Go Down After 6 Months? — A Best Guide](https://www.insuracarelife.com/blog/will-my-car-insurance-go-down-after-6-months/): Car insurance is one of the essential expenses for vehicle owners. While it provides financial protection, many drivers wonder if their insurance premiums will decrease after a period—especially after six months. If you’re asking, “Will my car insurance go down after 6 months?”, you’re not alone. This blog will dive deep into the factors that […]
- [The Rise of InsurTech: 10 Moments Covering the Transformation of the Industry](https://www.insuracarelife.com/blog/the-rise-of-insurtech-10-moments-covering-the-transformation-of-the-industry/): Run Time: 17:10 The Rise of InsurTech: 10 Moments Covering the Transformation of the Industry (No Ratings Yet) Loading… 109 views Close Embed Video Use the below code to add this video to your website. In the first episode of The Insurance Wrap-Up, Allen Laman, Elizabeth Blosfield, and Ezra Amacher dive into the evolving landscape […]
- [The Essential Guide to Short and Long-Term Insurance Benefits for Seniors](https://www.insuracarelife.com/blog/short-and-long-term-insurance-benefits-for-seniors/): Introduction to Insurance Benefits for Seniors As individuals transition into their retirement years, the formulation of a comprehensive insurance plan becomes increasingly essential. This is particularly true for seniors, whose financial and healthcare needs often diverge significantly from those of younger counterparts. The essential guide to short and long-term insurance benefits for seniors serves as […]
- [The World Is Wooing U.S. Researchers Shunned by Trump](https://www.insuracarelife.com/blog/the-world-is-wooing-u-s-researchers-shunned-by-trump/): Help Wanted. Looking for American researchers. As President Trump cuts billions of federal dollars from science institutes and universities, restricts what can be studied and pushes out immigrants, rival nations are hoping to pick up talent that has been cast aside or become disenchanted. For decades, trying to compete with American institutions and companies has […]
- [How Will the 2025 Budget Reconciliation Affect the ACA, Medicaid, and the Uninsured Rate?](https://www.insuracarelife.com/blog/how-will-the-2025-budget-reconciliation-affect-the-aca-medicaid-and-the-uninsured-rate/): Congressional Republicans are considering a budget reconciliation package that would make significant changes to Medicaid and the Affordable Care Act (ACA). For example, the Energy and Commerce Committee released legislative text that includes work and reporting requirements for certain Medicaid enrollees and codifying changes in a recent Trump Administration proposed rule on the ACA Marketplaces, […]
- [Tariff Truce With China Demonstrates the Limits of Trump’s Aggression](https://www.insuracarelife.com/blog/tariff-truce-with-china-demonstrates-the-limits-of-trumps-aggression/): President Trump’s decision to impose, and then walk back, triple-digit tariffs on Chinese products over the past month demonstrated the power and global reach of U.S. trade policy. But it was also another illustration of the limitations of Mr. Trump’s aggressive approach. The tariffs on Chinese goods, which the United States ratcheted up to a […]
- [What Do Your Customers Really Think?](https://www.insuracarelife.com/blog/what-do-your-customers-really-think/): Run Time: 46:57 What Do Your Customers Really Think? (No Ratings Yet) Loading… 142 views Close Embed Video Use the below code to add this video to your website. Do you truly understand your policyholders, distribution partners and employees? Do you have a clear lens into what competitors are doing? If your organization attempts to […]
- [Trump Administration Considers Large Chip Sale to Emirati A.I. Firm G42](https://www.insuracarelife.com/blog/trump-administration-considers-large-chip-sale-to-emirati-a-i-firm-g42/): The Trump administration is considering a deal that could send hundreds of thousands of U.S.-designed artificial intelligence chips to G42, an Emirati A.I. firm that the U.S. government has scrutinized in the past for its ties to China, three people familiar with the discussions said. The negotiations, which are ongoing, highlight a major shift in […]
- [U.S.-U.K. Trade Deal to Build on Close Ties but Leave Some Tariffs in Place](https://www.insuracarelife.com/blog/u-s-u-k-trade-deal-to-build-on-close-ties-but-leave-some-tariffs-in-place/): President Trump announced on Thursday that the United States intended to sign a trade deal with Britain that would bring the two nations closer and roll back some of the punishing tariffs he issued on that country’s products. Both sides consider a trade pact deeply beneficial, and a deal has been under discussion since Mr. […]
- [Why America’s ‘Beautiful Beef’ Is a Trade War Sore Point for Europe](https://www.insuracarelife.com/blog/why-americas-beautiful-beef-is-a-trade-war-sore-point-for-europe/): Hendrik Dierendonck, a second-generation butcher who has become, as he describes it, “world famous in Belgium” for his curated local beef, thinks Europe’s way of raising cattle results in varied and delicious cuts that European consumers prize. “They want hormone-free, grass-fed,” Mr. Dierendonck explained recently as he cut steaks at a bloody chopping block in […]
- [Republican Agenda Hits Familiar Obstacle: State and Local Taxes](https://www.insuracarelife.com/blog/republican-agenda-hits-familiar-obstacle-state-and-local-taxes/): Gerhard Randers-Pehrson, an 81-year-old resident of Ossining, N.Y., believes the $10,000 cap should go up — but not too much. While Mr. Randers-Pehrson, a retired research scientist, said he paid $16,000 in state and local taxes last year, he does not expect to personally benefit from a higher cap. He would take the standard deduction […]
- [Trump Suggests Openness to Slashing China Tariffs Ahead of Trade Talks](https://www.insuracarelife.com/blog/trump-suggests-openness-to-slashing-china-tariffs-ahead-of-trade-talks/): President Trump suggested on Friday that he was open to sharply reducing the tariffs that the United States had imposed on China, as American and Chinese negotiators prepare to meet in Switzerland this weekend for high-stakes trade talks. Trade tensions between the United States and China have roiled international markets and the global economy. The […]
- [How India Is Trying to Squeeze Pakistan Far From the Battlefield](https://www.insuracarelife.com/blog/how-india-is-trying-to-squeeze-pakistan-far-from-the-battlefield/): Even as India was gearing up to use its military to strike at Pakistan this week, calling it revenge for a terrorist strike in Kashmir last month, the government was pursuing other forms of power projection as well: bloodless and more refined, and mostly aimed at Pakistan’s economic vulnerability. On Friday, May 9, the executive […]
- [U.S. and Britain Hail Trade Agreement but Leave Details to Be Settled](https://www.insuracarelife.com/blog/u-s-and-britain-hail-trade-agreement-but-leave-details-to-be-settled/): President Trump said Britain had agreed to increase market access for billions of dollars of American exports, including beef, ethanol and other farm products under a new trade deal — but left many of the details to be worked out later. The agreement — promoted by Mr. Trump as the first of many that will […]
- [Trump Administration to Announce Trade Deal With Britain](https://www.insuracarelife.com/blog/trump-administration-to-announce-trade-deal-with-britain/): For Britain’s prime minister, Keir Starmer, the trade deal would offer vindication for his assiduous cultivation of Mr. Trump. During his visit to the Oval Office in February, Mr. Starmer turned up with an invitation from King Charles III for the president to make a rare second state visit to Britain. The Trump administration appears […]
- [EP. 11: Teeing Off on Hurricane Prep: Live Golfertainment with Curtis Goldsborough!](https://www.insuracarelife.com/blog/ep-11-teeing-off-on-hurricane-prep-live-golfertainment-with-curtis-goldsborough/): Run Time: 38:23 EP. 11: Teeing Off on Hurricane Prep: Live Golfertainment with Curtis Goldsborough! (No Ratings Yet) Loading… 59 views Close Embed Video Use the below code to add this video to your website. Special Live Podcast Episode! Join the Golfertainment crew – George Jack, Patrick Wraight, and Kevin Amrhein, – as they tee […]
- [Trump’s Threatened Tariffs Are So Large, 10% Feels Like a Relief](https://www.insuracarelife.com/blog/trumps-threatened-tariffs-are-so-large-10-feels-like-a-relief/): There has been a mantra spreading among weary corporate executives who are becoming resigned to President Trump’s tariffs while still hoping to avoid the worst of their effects: Ten percent is the new zero. The statement refers to the 10 percent tariff that Mr. Trump put in place on most U.S. imports one month ago. […]
- [Scott Bessent Urges Investors to Bet on Trump’s Economic Plan](https://www.insuracarelife.com/blog/scott-bessent-urges-investors-to-bet-on-trumps-economic-plan/): Treasury Secretary Scott Bessent urged skittish global business leaders on Monday to ignore President Trump’s economic naysayers and ramp up investment in the United States, defending an economic agenda that economists warn will slow economic growth and exacerbate inflation. Speaking to executives, entrepreneurs and policymakers, Mr. Bessent argued that the Trump administration’s economic plans go […]
- [Does Shelter Insurance Cover Rental Cars in Needham? A New Guide](https://www.insuracarelife.com/blog/does-shelter-insurance-cover-rental-cars-in-needham/): If you’re a Shelter Insurance policyholder in Needham, Massachusetts, and you’re considering renting a car, it’s essential to understand how your auto insurance policy applies to rental vehicles. Rental car coverage can vary based on your specific policy, the circumstances of the rental, and the nature of any incidents that may occur. Understanding Shelter Insurance’s […]
- [Ford Says Tariffs Will Cost Company $1.5 Billion in 2025](https://www.insuracarelife.com/blog/ford-says-tariffs-will-cost-company-1-5-billion-in-2025/): Ford Motor said on Monday that the Trump administration’s tariff policies were likely to lower its 2025 profit, before interest and taxes, by about $1.5 billion. The company also dropped its forecast for the year, saying that predicting the future had become too hard. Ford is less affected by President Trump’s 25 percent tariffs on […]
- [‘People Who Are Salaried Are Crying’: Taxes on Workers Add to Debt Misery](https://www.insuracarelife.com/blog/people-who-are-salaried-are-crying-taxes-on-workers-add-to-debt-misery/): The pay stubs tell the story. Hefty deductions to help cover the cost of Kenya’s new funds for affordable housing and health insurance. More money subtracted for jacked-up contributions to the National Social Security Fund and an increase in the tax rate. In a matter of months, Kenyans with a 45,000-shilling-a-month salary — roughly $350 […]
- [Would the Housing Crisis Ease if Boomers Rented Out Their Empty Rooms?](https://www.insuracarelife.com/blog/would-the-housing-crisis-ease-if-boomers-rented-out-their-empty-rooms/): Monte Anderson opened a broom closet in his kitchen and pointed to a door handle near a mop and a trash can. Somewhere on the other side lay one small solution to America’s affordable housing crisis. Mr. Anderson is a developer who rehabs commercial and residential buildings in and around Dallas, including the ranch-style house […]
- [Oil Prices Are Falling. Here’s Where That Could Spell Trouble.](https://www.insuracarelife.com/blog/oil-prices-are-falling-heres-where-that-could-spell-trouble/): Oil producing countries are bracing for a bumpy ride this year, with a precipitous drop in prices to the lowest levels in four years seen as the initial, alarming sign of looming turmoil. A price drop benefits any country seeking to cut its fuel bill. But in oil producing nations, lower prices can feed economic […]
- [U.S. and China Dig In on Trade War, With No Plans for Formal Talks](https://www.insuracarelife.com/blog/u-s-and-china-dig-in-on-trade-war-with-no-plans-for-formal-talks/): As trade tensions flared between the world’s largest economies, communication between the United States and China has been so shaky that the two superpowers cannot even agree on whether they are talking at all. At a White House economic briefing this week, Treasury Secretary Scott Bessent demurred multiple times when pressed about President Trump’s recent […]
- [Is GAP Insurance Required in Florida? A Complete Guide](https://www.insuracarelife.com/blog/is-gap-insurance-required-in-florida/): When purchasing a vehicle, whether new or used, many car buyers are often faced with a range of auto insurance options. One of the more commonly recommended options is GAP insurance. If you’re financing or leasing a car, you may have heard about GAP insurance, but is GAP insurance required in Florida? In this article, […]
- [Trump Ends Chinese Tariff Loophole, Raising the Cost of Online Goods](https://www.insuracarelife.com/blog/trump-ends-chinese-tariff-loophole-raising-the-cost-of-online-goods/): The Trump administration on Friday officially eliminated a loophole that had allowed American shoppers to buy cheap goods from China without paying tariffs. The move will help U.S. manufacturers that have struggled to compete with a wave of low-cost Chinese products, but it has already resulted in higher prices for Americans who shop online. The […]
- [Can Cloud-Native Platforms Change the Future of Policy Management?](https://www.insuracarelife.com/blog/can-cloud-native-platforms-change-the-future-of-policy-management/): Run Time: 3:58 Can Cloud-Native Platforms Change the Future of Policy Management? (No Ratings Yet) Loading… 82 views Close Embed Video Use the below code to add this video to your website. What happens when small-to-midsize insurers get fed up with clunky, overpriced legacy systems? They build their own. In this episode of the Insuring […]
- [GM Cuts Profit Forecast by 20% and Says Auto Tariffs Will Cost It Billions](https://www.insuracarelife.com/blog/gm-cuts-profit-forecast-by-20-and-says-auto-tariffs-will-cost-it-billions/): General Motors cut its profit forecast for 2025 on Thursday by more than 20 percent and said that the Trump administration’s tariffs would increase its costs by $4 billion to $5 billion this year. In a conference call with analysts, G.M. executives said the company now expects to make $8.2 billion to $10.1 billion this […]
- [What Insurance Does Tanner Medical Center Accept in Ohio?](https://www.insuracarelife.com/blog/what-insurance-does-tanner-medical-center-accept-in-ohio/): Tanner Medical Center, located in Ohio, is a prominent healthcare provider offering a wide range of medical services, including emergency care, specialized treatments, and routine health services. As healthcare costs continue to rise, understanding which insurance plans a medical facility accepts becomes crucial for patients looking to receive care without financial stress. For residents of […]
- [Trump, on Tariffs, Says ‘Maybe the Children Will Have 2 Dolls Instead of 30’](https://www.insuracarelife.com/blog/trump-on-tariffs-says-maybe-the-children-will-have-2-dolls-instead-of-30/): President Trump has a message for the nation’s children: Prepare to sacrifice for your country. He was taking questions at the end of one of his marathon cabinet meetings when he finally allowed that, yes, his tariff policies and the trade war he has set off with China may soon result in some emptier-than-usual shelves […]
- [Trump Signs Executive Order Walking Back Some Auto Tariffs](https://www.insuracarelife.com/blog/trump-signs-executive-order-walking-back-some-auto-tariffs/): President Trump signed a pair of executive orders on Tuesday that walked back some tariffs for carmakers, removing levies that Ford, General Motors and others have complained would backfire on U.S. manufacturing by raising the cost of production and squeezing their profits. The changes will modify Mr. Trump’s tariffs so carmakers that pay a 25 […]
- [Is Bioidentical Hormone Replacement Therapy Covered by Insurance?](https://www.insuracarelife.com/blog/is-bioidentical-hormone-replacement-therapy-covered-by-insurance/): Introduction to Bioidentical Hormone Replacement Therapy Bioidentical hormone replacement therapy (BHRT) is a medical treatment designed to alleviate symptoms related to hormonal imbalances by using hormones that are chemically identical to those the body produces naturally. Unlike traditional hormone replacement therapy (HRT), which often employs synthetic hormones, BHRT utilizes hormones derived from plant sources, creating […]
- [How Trump May Unintentionally Cut Carbon Emissions](https://www.insuracarelife.com/blog/how-trump-may-unintentionally-cut-carbon-emissions/): President Trump has expressed little interest in fighting climate change. One of his key cabinet officials has even sought to evaluate whether humanity benefits from a warming climate, in a bid to undermine environmental rules. Yet even as he works to accelerate oil and gas production, Mr. Trump’s economic approach may inadvertently reduce greenhouse gas […]
- [Cross the Generational Divide - Insurance Journal TV](https://www.insuracarelife.com/blog/cross-the-generational-divide-insurance-journal-tv/): Run Time: 60:12 Cross the Generational Divide (No Ratings Yet) Loading… 138 views Close Embed Video Use the below code to add this video to your website. A major workplace challenge is basic human communication among the age groups. How can we create a workplace culture where all four working generations thrive? “Culture Doctor” Warren […]
- [Howard Lutnick, Trump’s ‘Buoyant’ Trade Warrior, Flexes His Power Over Global Business](https://www.insuracarelife.com/blog/howard-lutnick-trumps-buoyant-trade-warrior-flexes-his-power-over-global-business/): Since Howard Lutnick was tapped to serve as President Trump’s commerce secretary, executives from some of the world’s largest companies have been trying to win him over. Leaders of Nvidia, Facebook, Taiwan Semiconductor Manufacturing Company and Alphabet have visited his newly purchased $25 million property in Washington — a 16,250-square-foot mansion that Mr. Lutnick, a […]
- [Europe’s Pharma Industry Braces for Pain as Trump Tariff Threat Looms](https://www.insuracarelife.com/blog/europes-pharma-industry-braces-for-pain-as-trump-tariff-threat-looms/): Insulin, heart treatments and antibiotics have flowed freely across many borders for decades, exempt from tariffs in a bid to make medicine affordable. But that could soon change. For months, President Trump has been promising to impose higher tariffs on pharmaceuticals as part of his plan to reorder the global trading system and bring key […]
- [Can I Add My Nephew to My Health Insurance? A Complete Guide](https://www.insuracarelife.com/blog/can-i-add-my-nephew-to-my-health-insurance/): As a loving family member, you might want to ensure that your nephew has the same health coverage benefits that your immediate family enjoys. It’s common for people to consider adding extended family members, such as nieces or nephews, to their health insurance plans, especially if they are facing financial difficulties or other challenges. But […]
- [Understanding Insurance Coverage for Biological Dentistry](https://www.insuracarelife.com/blog/insurance-coverage-for-biological-dentistry/): Introduction to Biological Dentistry Biological dentistry, often referred to as holistic dentistry, is an approach that prioritizes overall health and well-being in dental practices. Unlike traditional dentistry, which typically focuses on the treatment of dental issues mainly through surgical and restorative methods, biological dentistry emphasizes the interconnectedness of oral health with the entire body. Practitioners […]
- [Trump’s Tariffs Prompt Wave of Lawsuits](https://www.insuracarelife.com/blog/trumps-tariffs-prompt-wave-of-lawsuits/): Somewhere along a roughly 7,500-mile journey that begins in Shenzhen, China, there are 19 shipments bound for Rick Woldenberg, the chief executive of Learning Resources, an educational toy company in Vernon Hills, Ill. Eventually, the containers of puzzle cards, child binoculars and other products will reach a port in the United States, and Mr. Woldenberg […]
- [In Trade War Clash With Trump, China Refuses to Take the Bait](https://www.insuracarelife.com/blog/in-trade-war-clash-with-trump-china-refuses-to-take-the-bait/): If the trade war between China and the United States is a game of high-stakes brinkmanship, it is currently a game that Beijing is not willing to play. Faced with growing claims by President Trump and administration officials that the two countries are engaged in talks and that a deal could be reached in a […]
- [China Rejects Trump Claim of Tariff Talks With Xi](https://www.insuracarelife.com/blog/china-rejects-trump-claim-of-tariff-talks-with-xi/): President Trump, whose trade war with China has rattled financial markets and threatened to disrupt huge swaths of trade, suggested on Friday that he had been in touch with Xi Jinping, China’s president, even as Chinese officials insisted that no negotiations were occurring. In an interview with Time on Tuesday, Mr. Trump said Mr. Xi […]
- [Trump Team Races to Form Trade Deals After Tariffs Sow Global Chaos](https://www.insuracarelife.com/blog/trump-team-races-to-form-trade-deals-after-tariffs-sow-global-chaos/): For a president who advertises himself as a paramount deal maker, the next 11 weeks will be a pivotal test, as his advisers race to accomplish what no other administration has done before and reach dozens of individual trade deals with other governments. President Trump has promised big gains for American trade, and officials from […]
- [Trump’s Tariffs Bump Into Reality as Economic Strategy Wavers](https://www.insuracarelife.com/blog/trumps-tariffs-bump-into-reality-as-economic-strategy-wavers/): After weeks of bluster and escalation, President Trump blinked. Then he blinked again. And again. He backed off his threat to fire the Federal Reserve chairman. His Treasury secretary, acutely aware that the S&P 500 was down 10 percent since Mr. Trump was inaugurated, signaled he was looking for an offramp to avoid an intensifying […]
- [EP. 102: Bootstrapping Brilliance: Building a Tech Empire from the Ground Up](https://www.insuracarelife.com/blog/ep-102-bootstrapping-brilliance-building-a-tech-empire-from-the-ground-up/): Run Time: 39:10 EP. 102: Bootstrapping Brilliance: Building a Tech Empire from the Ground Up (No Ratings Yet) Loading… 81 views Close Embed Video Use the below code to add this video to your website. In this episode, tech entrepreneur and JBKnowledge Founder James Benham shares his journey from coding in his college dorm room […]
- [Scott Bessent Accuses IMF and World Bank of ‘Mission Creep’](https://www.insuracarelife.com/blog/scott-bessent-accuses-imf-and-world-bank-of-mission-creep/): Treasury Secretary Scott Bessent on Wednesday called for major overhauls to the missions of the International Monetary Fund and the World Bank but said that the United States remained committed to maintaining its leadership role at the global economic institutions. The comments, made at a speech on the sidelines of the spring meetings of the […]
- [Introducing the Claims Journal Podcast with Don Jergler!](https://www.insuracarelife.com/blog/introducing-the-claims-journal-podcast-with-don-jergler/): Run Time: 16:25 Introducing the Claims Journal Podcast with Don Jergler! (+2 rating, 2 votes) Loading… 167 views Close Embed Video Use the below code to add this video to your website. Hurricane Season 2025 Could Be Brutal — Here’s What You Need to Know: Today we are launching a brand new podcast series, called […]
- [A Guide to Applying for Insurance Services in the United States](https://www.insuracarelife.com/blog/a-guide-to-applying-for-insurance-services-in-the-united-states/): Understanding the Basics of Insurance Services In the United States, insurance services play a crucial role in safeguarding individuals and businesses against unexpected financial burdens. From health insurance to auto and home coverage, understanding the types of insurance available is the first step toward obtaining the right policies for your needs. Steps to Apply for […]
- [How to Become a Vendor for Insurance Companies (2025)](https://www.insuracarelife.com/blog/how-to-become-a-vendor-for-insurance-companies-2025/): Becoming a vendor for insurance companies can be a lucrative business opportunity. Insurance providers rely on third-party vendors for a wide variety of services, including claims handling, repairs, technology solutions, consulting, and more. If you’re looking to break into this industry, it’s essential to understand the steps, requirements, and expectations involved in becoming a vendor […]
- [Does Medical Insurance Cover Breast Implants? A Comprehensive Guide](https://www.insuracarelife.com/blog/does-medical-insurance-cover-breast-implants/): Breast implants are a popular cosmetic procedure that many women consider for a variety of reasons, including aesthetic preferences, reconstruction after a mastectomy, or correcting congenital conditions. However, one of the most frequently asked questions is whether medical insurance covers breast implants. This question can be tricky, as insurance policies vary significantly, and coverage depends […]
- [Does Liability Insurance Cover Theft of a Vehicle? 2025](https://www.insuracarelife.com/blog/does-liability-insurance-cover-theft-of-a-vehicle/): Understanding Liability Insurance Liability insurance is a type of coverage designed to protect individuals from the financial implications of legal claims resulting from injuries or damages they may cause to others. It primarily serves as a safeguard against the costs that may arise from accidents, whether they involve bodily injury or property damage. The fundamental […]
- [ACA Preventive Services Are Back at the Supreme Court: Kennedy v. Braidwood](https://www.insuracarelife.com/blog/aca-preventive-services-are-back-at-the-supreme-court-kennedy-v-braidwood/): On April 21, 2025, the Supreme Court is hearing oral arguments in Kennedy v. Braidwood Management. In this case, Braidwood Management, Christian owned businesses and six individuals in Texas, have challenged the Affordable Care Act’s (ACA) requirement to cover preventive services. The Supreme Court is narrowly considering whether the structure of the US Preventive Services […]
- [Trump Moves to Put New Tariffs on Computer Chips and Drugs](https://www.insuracarelife.com/blog/trump-moves-to-put-new-tariffs-on-computer-chips-and-drugs/): The Trump administration took steps on Monday that appear likely to result in new tariffs on semiconductors and pharmaceutical products, adding to the levies President Trump has put on imports globally. Federal notices put online Monday afternoon said the administration had initiated national security investigations into imports of chips and pharmaceuticals. Mr. Trump has suggested […]
- [Does Insurance Follow the Car or the Driver in Ohio?](https://www.insuracarelife.com/blog/does-insurance-follow-the-car-or-the-driver-in-ohio/): Introduction to Ohio Car Insurance Laws Understanding Ohio car insurance laws is crucial for both drivers and vehicle owners in the state. Ohio follows a tort-based liability system, which means that the responsible party in an accident is liable for any damages incurred. This directly impacts how insurance operates in the context of personal vehicle […]
- [Trump’s Dilemma: A Trade War That Threatens Every Other Negotiation With China](https://www.insuracarelife.com/blog/trumps-dilemma-a-trade-war-that-threatens-every-other-negotiation-with-china/): President Trump came into office sounding as if he were eager to deal with President Xi Jinping of China on the range of issues dividing the world’s two biggest superpowers. He and his aides signaled that they wanted to resolve trade disputes and lower the temperature on Taiwan, curb fentanyl production and get to a […]
- [Does Insurance Pay for DUI Accidents?](https://www.insuracarelife.com/blog/does-insurance-pay-for-dui-accidents/): Understanding DUI and Its Implications Driving Under the Influence (DUI) refers to the criminal offense of operating a vehicle while impaired by alcohol or drugs. This impairment can dramatically hinder essential motor functions and cognitive abilities, thereby heightening the risks of accidents and their subsequent consequences. Law enforcement agencies are increasingly vigilant about DUI incidents, […]
- [Rainbow Founder Eyes 3 Keys to Specialization](https://www.insuracarelife.com/blog/rainbow-founder-eyes-3-keys-to-specialization/): Run Time: 36:16 Rainbow Founder Eyes 3 Keys to Specialization (No Ratings Yet) Loading… 55 views Close Embed Video Use the below code to add this video to your website. The danger in writing all small commercial lines is becoming a generalist, says Bobby Touran, who a few years ago founded Rainbow, a restaurant-focused MGU […]
- [As Tariffs Hit, Americans Are Racing to Buy Car Seats, iPhones and Christmas Gifts](https://www.insuracarelife.com/blog/as-tariffs-hit-americans-are-racing-to-buy-car-seats-iphones-and-christmas-gifts/): Emily Moen, a coffee shop manager in Omaha, was scrolling through TikTok earlier this week when she came across a video informing her that President Trump’s tariffs could lead to higher prices for essential baby products. Ms. Moen, who is 15 weeks pregnant, said that she had not planned to buy a car seat soon. […]
- [A Devastating Trade Spat With China Shows Few Signs of Abating](https://www.insuracarelife.com/blog/a-devastating-trade-spat-with-china-shows-few-signs-of-abating/): President Trump’s rapidly escalating trade war with China has resulted in eye-watering tariffs on products exchanged between the countries and scrambled prospects for many global businesses that depend on the trade. And there is no end in sight. The Trump administration has been waiting for the Chinese leader, Xi Jinping, to call Mr. Trump personally, […]
- [Bessent Takes Tricky Center Stage as Trade Wars Roil U.S. Economy](https://www.insuracarelife.com/blog/bessent-takes-tricky-center-stage-as-trade-wars-roil-u-s-economy/): The traditional gathering of former Treasury secretaries to welcome a newly minted one into the fold is usually a lighthearted and pleasant affair. But when the group convened this month, on President Trump’s “Liberation Day,” the tone was strikingly serious. The dinner, organized by former Treasury Secretary Steven T. Mnuchin, took place at a moment […]
- [What to Know About Who Pays the Higher Costs of Trump’s Tariffs](https://www.insuracarelife.com/blog/what-to-know-about-who-pays-the-higher-costs-of-trumps-tariffs/): President Trump’s latest tariffs are about to become an unavoidable and expensive reality for American businesses and for people who rely on foreign goods. Shoppers buying clothes from retailers in China may soon pay more than twice as much, now that a special exemption for lower-value imports is disappearing. And companies involved in international trade […]
- [As Trump Upends Global Trade, Europe Sees an Opportunity](https://www.insuracarelife.com/blog/as-trump-upends-global-trade-europe-sees-an-opportunity/): President Trump has big ambitions for the global trading system and is using tariffs to try to rip it down and rebuild it. But the European Union is taking action after action to make sure the continent is at the center of whatever world comes next. As one of the globe’s biggest and most open […]
- [Can you make your home resilient? by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/can-you-make-your-home-resilient-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [Trump’s Tariff Fight With China Poses New Threat to US Farmers](https://www.insuracarelife.com/blog/trumps-tariff-fight-with-china-poses-new-threat-to-us-farmers/): After China unveiled steep retaliatory tariffs on American exports on Wednesday, Treasury Secretary Scott Bessent issued a sharp and somewhat surprising response: “So what?” The question underscored the Trump administration’s argument that America has the upper hand in a trade war with China given how reliant its economy is on exports to the United States. […]
- [Inside Factories in China, a Struggle to Survive Trump’s Tariffs](https://www.insuracarelife.com/blog/inside-factories-in-china-a-struggle-to-survive-trumps-tariffs/): As President Trump ratcheted up new tariffs on goods from China to 125 percent this week, the mood in the dusty streets and small factories of southeastern China was a mixture of anger, worry and resolve. Thousands of export-oriented small factories in or near Guangzhou, the commercial hub of southeastern China, have played a central […]
- [The Texas Insurance Podcast Trailer by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/the-texas-insurance-podcast-trailer-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [For small Lesotho, there are few options for responding to large tariffs.](https://www.insuracarelife.com/blog/for-small-lesotho-there-are-few-options-for-responding-to-large-tariffs/): In Lesotho, the small southern African nation that is among the countries hardest hit by President Trump’s new tariffs, business owners were meeting on Wednesday to strategize their response. For a country with an economy worth just $2.1 billion, few options are on the table. Mr. Trump imposed a 50 percent tariff on Lesotho, owing […]
- [Car burglaries and break-ins are increasing. Here’s how to protect your car by The Texas Insurance Podcast](https://www.insuracarelife.com/blog/car-burglaries-and-break-ins-are-increasing-heres-how-to-protect-your-car-by-the-texas-insurance-podcast/): TDI experts answer Texans’ top auto insurance questions. What should auto insurance cost, and what’s the best kind to get? To answer a question about cost, you need to know what a policy covers first. TDI’s automotive insurance guide can help, and there’s a policy comparison tool at www.opic.texas.gov. It’s important to know what you […]
- [How to Get Home Insurance to Pay for Your Air Conditioner in Ohio](https://www.insuracarelife.com/blog/home-insurance-to-pay-for-your-air-conditioner-in-ohio/): Understanding Home Insurance Coverage In Ohio, home insurance generally doesn’t cover air conditioner repairs due to wear and tear, but it may help if the damage results from a covered event, like a fire, lightning strike, or power surge. To ensure you’re protected, it’s important to review your policy and understand the coverage details, as […]
- [Canal Insurance asks court to block liability in trucking injury suit](https://www.insuracarelife.com/blog/canal-insurance-asks-court-to-block-liability-in-trucking-injury-suit/): According to the complaint, Perisho, a driver for MZI, alleges that on May 3, 2024, he was delivering a mobile container to a Norfolk Southern railyard at 4800 N. Kimball Drive, Kansas City, Missouri. He claims he tripped on a concrete block where a kiosk had once been situated, resulting in a broken left tibia, […]
- [Do You Have to Have Boat Insurance in Illinois? A Comprehensive Guide](https://www.insuracarelife.com/blog/boat-insurance-in-illinois/): Introduction to Boat Insurance in Illinois Boat insurance in Illinois plays a crucial role in safeguarding not only vessels but also the interests of boat owners. As the state is home to numerous lakes, rivers, and a significant expanse of coastline along Lake Michigan, boating is a popular recreational activity among its residents. Due to […]
- [Philadelphia Indemnity faces lawsuit as union claims $175k shortfall](https://www.insuracarelife.com/blog/philadelphia-indemnity-faces-lawsuit-as-union-claims-175k-shortfall/): The trustees for several benefit funds of Plumbers Local Union No. 200 allege they are owed at least $174,492.46 for work performed by ARA Plumbing Corp. on the Nassau County Family and Matrimonial Court – Phase II Project. These funds include welfare, pension, vacation, supplemental vested annuity, additional security benefits, and apprentice training funds. The […]
- [Aviva the latest to hold firm on climate strategy despite political pushback](https://www.insuracarelife.com/blog/aviva-the-latest-to-hold-firm-on-climate-strategy-despite-political-pushback/): While some in the financial sector have scaled back climate commitments in recent months, leaders within the insurance industry argue that adaptation is becoming inseparable from profitability. At Marsh, Beverly Adams, head of climate and catastrophe resilience, said many clients had invested heavily in climate adaptation measures – ranging from flood defenses to wildfire mitigation […]
- [UK Club takes roles to Newcastle :: Insurance Day](https://www.insuracarelife.com/blog/uk-club-takes-roles-to-newcastle-insurance-day/): UK Club is set to open an office in Newcastle, making it only the second International Group affiliate with a substantial British presence outside London. Britannia, London Club, Shipowners’ Club, Steamship Mutual and West of England all remain concentrated in the capital, with any geographical links implied by their names purely historic. The north eastern city is […]
- [Liberty Mutual faces $4 million lawsuit over denied pollution coverage](https://www.insuracarelife.com/blog/liberty-mutual-faces-4-million-lawsuit-over-denied-pollution-coverage/): The complaint states that, following a series of injunction orders, Arnold and 300 West LLC entered into a consent order with the State of Illinois on June 1, 2016, to address the claims in the IEPA suit. Arnold’s entry into the consent order was not an admission of liability. Under the consent order, Arnold and […]
- [Understanding Car Insurance Responsibilities for Non-Custodial Parents in Florida](https://www.insuracarelife.com/blog/car-insurance-responsibilities-florida/): Introduction In the intricate landscape of family law, the responsibilities of non-custodial parents frequently raise important questions, especially in relation to car insurance. Non-custodial parents, by definition, do not have primary custody of their children. However, their obligations towards their children’s welfare extend beyond emotional and financial support; they can also include responsibilities linked to […]
- [What AAA Insurance rating says about its performance and reliability](https://www.insuracarelife.com/blog/what-aaa-insurance-rating-says-about-its-performance-and-reliability/): 
 
 
 
 American Automobile Association affiliate  
 
 
 States served  
 
 
 
 
 
 
 Auto Club of Southern California  
 
 
 Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, West Virginia   
 
 
 
 […]
- [Understanding Whole Life Insurance: The Accumulation of Cash Value](https://www.insuracarelife.com/blog/whole-life-insurance-the-accumulation-of-cash-value/): What is Whole Life Insurance? Whole life insurance is a type of permanent life insurance designed to provide lifelong coverage to policyholders. Unlike term life insurance, which offers coverage for a specified period, a whole life insurance policy remains in effect for the insured’s entire life, as long as the premiums are paid. One of […]
- [Does GEICO Offer Home Insurance? Full Details!](https://www.insuracarelife.com/blog/does-geico-offer-home-insurance-full-details/): When you think of GEICO, chances are you immediately associate the company with affordable car insurance, thanks to its catchy commercials and the iconic gecko mascot. But did you know that GEICO also offers a variety of other insurance products? One of the most common questions people have is whether GEICO provides home insurance. The […]
- [Aegis General faces lawsuit as rivals allege executive poaching, trade secrets theft](https://www.insuracarelife.com/blog/aegis-general-faces-lawsuit-as-rivals-allege-executive-poaching-trade-secrets-theft/): Filed on August 8, 2025, in the US District Court for the Middle District of Pennsylvania, the complaint lays out a scenario that will sound familiar to many in the insurance sector. Millennial alleges that four of its senior Scale Underwriting employees – Jeffrey Hirsch, Matthew McKenna, Juliana Rosas Litourgis, and Leanna Marciano – resigned […]
- [East Fork Pottery sues Travelers over denied hurricane business interruption claim](https://www.insuracarelife.com/blog/east-fork-pottery-sues-travelers-over-denied-hurricane-business-interruption-claim/): East Fork says it promptly filed a claim with Travelers. The insurer assigned three claim numbers – F4S3375, F4S3378, and F4S3379 – and sent adjuster Anthony Morris to Asheville on October 23, 2024. Over the next two months, Travelers sent five coverage letters, dated October 30, October 31, November 6, and two on December 27, […]
- [Liberty Mutual moves to block coverage for LX Hausys silica suits](https://www.insuracarelife.com/blog/liberty-mutual-moves-to-block-coverage-for-lx-hausys-silica-suits/): Liberty Mutual’s stance is blunt: the policies in question contain unambiguous exclusions for both silica and pollution-related claims. The complaint quotes the silica exclusion as stating that coverage does not apply to any liability, damages, loss, injury, demand, claim, or suit “any part of which is caused by, or allegedly caused by, silica, either alone […]
- [Berkley Insurance demands $1 million collateral after Texas bond claims](https://www.insuracarelife.com/blog/berkley-insurance-demands-1-million-collateral-after-texas-bond-claims/): Berkley Insurance Company is seeking judgment against the indemnitors, jointly and severally, for all losses, costs, and expenses of any kind or nature, including attorney fees, consulting, and other professional fees and expenses incurred in connection with any bond or with enforcing the terms of the indemnity agreement. The insurer also seeks an order requiring […]
- [Associated Industries demands Colony pay $3.35 million in Texas dispute](https://www.insuracarelife.com/blog/associated-industries-demands-colony-pay-3-35-million-in-texas-dispute/): On May 15, 2019, Rim sold the project to Passco Companies, LLC, which ultimately assigned its interest to Passco Tribute DST (“Passco”). Passco alleged that in approximately March 2021, it discovered systemic and isolated design and construction defects related to the building envelope, including water penetration and leaks. On May 6, 2022, Passco filed suit […]
- [Scottsdale Insurance challenges Cheesecake Factory injury coverage in federal court](https://www.insuracarelife.com/blog/scottsdale-insurance-challenges-cheesecake-factory-injury-coverage-in-federal-court/): Reyes filed a lawsuit in Clark County District Court, Nevada (Case No. A-24-895563-C), naming All Type as a defendant and asserting causes of action for negligence, negligent hiring, supervision and training, products liability, breach of warranty, negligent failure to warn, and third-party beneficiary. The complaint further states that Corvel Corporation and The Cheesecake Factory, Inc. […]
- [Are insurers holding enough reserves? What recent trends reveal](https://www.insuracarelife.com/blog/are-insurers-holding-enough-reserves-what-recent-trends-reveal/): Industry-wide shift toward under-reserving?  In recent development years, particularly from 2020 to 2024, the reserve-to-paid-loss ratio has trended sharply downward for most insurers. This ratio, which compares carried reserves to cumulative paid losses, helps assess reserve sufficiency by showing how much reserve remains for every dollar already paid in claims. While a ratio below 0.9 […]
- [The Importance of Recreational Vehicle Insurance: Benefits and Key Uses](https://www.insuracarelife.com/blog/recreational-vehicle-insurance-benefit/): Introduction to Recreational Vehicle Insurance Recreational vehicle insurance is a specialized coverage designed to protect a variety of vehicles that are utilized primarily for leisure activities. As more individuals and families embrace outdoor adventures and road trips, the need for appropriate insurance becomes increasingly important. This type of insurance encompasses various vehicles, such as motorhomes, […]
- [Selective Insurance moves to block liability for fatal crash, targets State Farm](https://www.insuracarelife.com/blog/selective-insurance-moves-to-block-liability-for-fatal-crash-targets-state-farm/): Selective’s policy, number S2644748, issued March 14, 2024, with an effective date of March 1, 2024, contains notice requirements, including the duty to give “prompt notice” of any accident, claim, suit, or loss; to “immediately send [Selective] copies of any request, demand, order, notice, summons or legal paper received concerning the claim or suit”; and […]
- [Best Insurance Carriers and Program Administrators in the USA](https://www.insuracarelife.com/blog/best-insurance-carriers-and-program-administrators-in-the-usa/): Jump to winners | Jump to methodology Anticipating tomorrow: blueprint for growth It’s prime time to be an insurance program administrator (PA) and carrier in the American sector, as these firms can best show their true worth by anticipating what is coming next and building programs in that direction. Success depends on agility, investment in digital […]
- [Insurers take Pyrotek to court over asbestos lawsuit coverage](https://www.insuracarelife.com/blog/insurers-take-pyrotek-to-court-over-asbestos-lawsuit-coverage/): Pyrotek, which once operated under the name Fibrous Glass Products, Inc., is no stranger to litigation. The company has been named in a series of lawsuits – some from individuals who say they were harmed by asbestos in Pyrotek’s products, others from former employees who allege exposure at work. The complaint highlights two categories: “Products […]
- [Is Motorcycle Insurance Required in Florida? Everything You Need to Know](https://www.insuracarelife.com/blog/is-motorcycle-insurance-required-in-florida/): Florida is known for its sunny skies, stunning coastline, and perfect weather for motorcycle enthusiasts. From scenic coastal routes to open highways, the state is a haven for riders looking to enjoy their motorcycles. But before you rev up that engine and hit the open road, it’s crucial to understand the state’s laws regarding motorcycle […]
- [StarStone challenges duty to cover View’s SPAC lawsuit claims](https://www.insuracarelife.com/blog/starstone-challenges-duty-to-cover-views-spac-lawsuit-claims/): The lawsuits at issue include an SEC enforcement action, filed July 3, 2023, naming Prakash as the sole defendant. The SEC alleges Prakash deprived investors of material information about Private View’s financial condition before, during, and after its public offering. The complaint details allegations that Prakash failed to accrue for and disclose over $20 million […]
- [What are Deductibles in Car Insurance in New Jersey 2025](https://www.insuracarelife.com/blog/deductibles-in-car-insurance-in-new-jersey/): Introduction to Car Insurance Deductibles Car insurance play a vital role in protecting drivers financially in the event of an accident or theft. Within this system, deductibles are a crucial component that policyholders must understand. Simply put, a deductible is the amount a policyholder must pay out of pocket before their insurance coverage kicks in […]
- [Mid-Valley Investment Co. challenges federal crop insurers over denied claim](https://www.insuracarelife.com/blog/mid-valley-investment-co-challenges-federal-crop-insurers-over-denied-claim/): The complaint states that AgriSompo North America sent another letter on April 22, 2024, denying the claim for failure to follow good farming practices and detailing Mid-Valley’s right to request a Good Farming Practice (GFP) determination from the RMA. Mid-Valley requested a GFP determination, and on August 28, 2024, the RMA upheld the denial, stating […]
- [Mental health: the emerging frontier in workers' compensation](https://www.insuracarelife.com/blog/mental-health-the-emerging-frontier-in-workers-compensation/): As of January 2024, 31 US states and the District of Columbia permit workers to file claims for mental health conditions resulting from work-related factors. This legislative shift was initially propelled by the recognition of post-traumatic stress disorder (PTSD) among first responders, including police officers, firefighters, and emergency medical technicians. States such as Florida, Missouri, […]
- [Do I Need Both Commercial and Personal Auto Insurance in New Jersey?](https://www.insuracarelife.com/blog/commercial-and-personal-auto-insurance-in-new-jersey/): Understanding Auto Insurance in New Jersey In New Jersey, auto insurance is not only a legal requirement but also a critical component of financial protection for drivers. The state operates under a no-fault insurance system, which means that when an accident occurs, each driver’s insurance pays for their own damages and medical expenses, regardless of […]
- [Know about How General Liability Insurance is Calculated for Contractors in Washington](https://www.insuracarelife.com/blog/how-general-liability-insurance-is-calculated-for-contractors-in-washington/): Understanding General Liability Insurance General liability insurance is an essential form of coverage that protects contractors from various potential risks and liabilities associated with their work. This type of insurance is designed to cover claims resulting from third-party injuries, property damage, and other incidents that may arise during the course of business operations. For contractors […]
- [Cover Whale Insurance secures $40 million in equity financing](https://www.insuracarelife.com/blog/cover-whale-insurance-secures-40-million-in-equity-financing/): “After years of rapid growth, 2024 marked a pivotal year for Cover Whale as we focused on re-building our foundation,” said founder and CEO Dan Abrahamsen. “We invested in our technology platform, built a high-performing service organization, and refined our pricing, underwriting and loss control programs. Morgan Stanley Expansion Capital’s transition from lender to equity […]
- [Erie Insurance ratings revealed: Do they indicate a strong insurer?](https://www.insuracarelife.com/blog/erie-insurance-ratings-revealed-do-they-indicate-a-strong-insurer/): 
 Mid-Atlantic Region: Erie ranked no. 1 with a score of 853/1,000  
 North Central Region: Erie ranked No. 1 with a score of 857/1,000  
 Southeast Region: Erie ranked No. 5, still above the regional average.   
 Out of 21 companies, Erie Insurance ranked third overall, but for its home insurance, Erie ranked fourth. […]
- [Top Insurtech Companies | Global 5-Star Technology and Software Providers](https://www.insuracarelife.com/blog/top-insurtech-companies-global-5-star-technology-and-software-providers/): Jump to winners | Jump to methodology Beyond the buzz: turning promise into results  The AI explosion has ramped up the pressure on the world’s top insurtechs to deliver and push the boundaries even further.  The companies meeting these exacting demands are recognized by Insurance Business as the 5-Star Technology and Software Providers 2025 and were […]
- [Florida court sends Leavitt's $1 million RV park insurance dispute back to trial](https://www.insuracarelife.com/blog/florida-court-sends-leavitts-1-million-rv-park-insurance-dispute-back-to-trial/): Florida Caverns bought the RV park out of bankruptcy in September 2018. Its owner, Erwin Jackson, contacted Leavitt Recreation, a broker specializing in insurance for RV parks and related businesses, to arrange commercial property insurance. Jackson testified that he provided Leavitt with detailed information about the park’s operations, including a map showing all sites with […]
- [Court sends AIG, National Union to trial over slow $7.5M settlement](https://www.insuracarelife.com/blog/court-sends-aig-national-union-to-trial-over-slow-7-5m-settlement/): Appleton filed an insurance claim against the pickup driver and his employer. Their liability policy was with National Union Fire Insurance Company, administered by AIG Claims, Inc. In August 2016, Appleton’s attorney sent AIG a formal demand package, seeking $18 million for medical costs, future care, and pain and suffering. AIG responded by hiring defense […]
- [NerdWallet: Finance smarter](https://www.insuracarelife.com/blog/nerdwallet-finance-smarter/): Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. […]
- [Florida court orders insurers to recalculate workers' comp benefits](https://www.insuracarelife.com/blog/florida-court-orders-insurers-to-recalculate-workers-comp-benefits/): Guglielmo’s employment history is straightforward. He spent 23 years as a police officer before joining the DOC. In March 2021, he resigned from his corrections job, citing health concerns and exhaustion from long hours. At the time he left, his weekly wage was $673.20. Four months later, on July 16, 2021, Guglielmo experienced heart palpitations […]
- [Understanding Liability Coverage in Renters Insurance for New Jersey Residents](https://www.insuracarelife.com/blog/liability-coverage-in-renters-insurance-for-new-jersey/): Introduction to Renters Insurance Renters insurance is a type of insurance policy specifically designed for individuals who lease or rent their homes, apartments, or other living spaces. This policy offers crucial financial protection for tenants, safeguarding their personal belongings and providing liability coverage for various unforeseen events. In New Jersey, where renting is a common […]
- [4 ways to avoid giving your data to cyber thieves this holiday season](https://www.insuracarelife.com/blog/4-ways-to-avoid-giving-your-data-to-cyber-thieves-this-holiday-season/): The holiday shopping season gets underway shortly, and whether you’re buying online or in a traditional brick and mortar store, your identity could be at risk. “People are starting to holiday shop and are putting information out there more frequently,” explains Paige Schaffer, president and COO of Generali Global Assistance’s identity and digital protection services […]
- [Gallagher reports strong financial results in Q2](https://www.insuracarelife.com/blog/gallagher-reports-strong-financial-results-in-q2/): In London, where Gallagher operates through its specialty unit Gallagher Re and other divisions, the market remained competitive, especially across marine, energy, and financial lines. Rate momentum in the London Market has begun to stabilise after several years of firm conditions, with brokers reporting more scrutiny around casualty treaty renewals and longer placement timelines in […]
- [Progressive Insurance® Intends to Hire More Than 12,000 People in 2025 to Support Company's Continued Growth](https://www.insuracarelife.com/blog/progressive-insurance-intends-to-hire-more-than-12000-people-in-2025-to-support-companys-continued-growth/): The insurance provider remains committed to culture, career advancement and flexible workplace offerings
 
 MAYFIELD VILLAGE, Ohio, April 28, 2025 /PRNewswire/ — Progressive Insurance intends to hire thousands of people in 2025 to support its continued year-over-year growth. In addition to its growth-driven hiring plans, the No. 2 auto insurer in the U.S. continues its […]
- [Cyber thieves target personal data during holidays](https://www.insuracarelife.com/blog/cyber-thieves-target-personal-data-during-holidays/): In its Identity Fraud Prevention Playbook, LexisNexis says that identities have become more accessible for fraudsters, who can purchase personally identifiable information (PII) such as names, social security numbers, addresses and birthdates, as well as birth certificates, passports and social security cards. Now, instead of stealing an entire identity, fraudsters will establish a new one […]
- [Liberty Mutual compels client to pay $411k in surety bond fight](https://www.insuracarelife.com/blog/liberty-mutual-compels-client-to-pay-411k-in-surety-bond-fight/): The defendants appealed, but the appellate court affirmed the lower court’s decision. The judges pointed to New York law, which says a surety is entitled to indemnification upon proof of payment—unless the payment was made in bad faith or was unreasonable in amount. In this case, Liberty Mutual submitted the indemnity agreement, documents showing the […]
- [Progressive Insurance® Teams Up with DC Studios' Superman to Spotlight Accident Response Superpower](https://www.insuracarelife.com/blog/progressive-insurance-teams-up-with-dc-studios-superman-to-spotlight-accident-response-superpower/): The insurance provider collaborates with DC and Warner Bros. Pictures to bring superhero moments to life and showcase its in-app safety technology MAYFIELD VILLAGE, Ohio, July 8, 2025 /PRNewswire/ — Progressive Insurance is teaming up with DC and Warner Bros. and the upcoming DC Studios Superman film to shine a light on its in-app safety […]
- [Understanding Commercial Property Insurance: What It Covers in Needham](https://www.insuracarelife.com/blog/commercial-property-insurance-what-it-covers-in-needham/): Introduction to Commercial Property Insurance Commercial property insurance is a type of insurance designed to protect businesses from losses incurred as a result of damage to their physical assets. This coverage is crucial for companies operating in Needham, as it assists in safeguarding against unforeseen events such as theft, fire, vandalism, or natural disasters. By […]
- [How Does Life Insurance Work and What Are the Available Plans in New Jersey?](https://www.insuracarelife.com/blog/life-insurance-in-new-jersey/): Life is unpredictable, and while we can’t control everything, we can plan ahead to protect the people we love. That’s where life insurance comes in. Whether you live in Newark, Trenton, Jersey City, or a small New Jersey suburb, life insurance is a smart way to provide financial security to your family in case something […]
- [Is It Cheaper to Buy Insurance Directly from an Insurance Company in Texas?](https://www.insuracarelife.com/blog/cheaper-buy-insurance-company-in-texas/): When it comes to buy insurance in Texas—be it auto, home, health, or life—Texans often wonder whether purchasing directly from an insurance company is the most affordable option. The idea of cutting out the middleman seems like a logical path to savings, but the reality is more complex. This comprehensive blog post will explore all […]
- [How Much Condo Insurance Do I Need? A Best Calculator for Ohio Residents](https://www.insuracarelife.com/blog/condo-insurance-calculator-for-ohio/): Introduction to Condo Insurance in Ohio Condo insurance, often referred to as homeowners association insurance or HO6 insurance, is a specialized form of coverage tailored for condo owners. Unlike traditional homeowners’ insurance, which typically covers the entire structure along with personal property, condo insurance primarily focuses on the individual homeowner’s unit. For Ohio residents, understanding […]
- [Understanding the Perils Covered in Manufactured Home Insurance in Texas](https://www.insuracarelife.com/blog/manufactured-home-insurance-in-texas/): Introduction to Manufactured Home Insurance Manufactured home insurance is a specialized type of coverage designed to protect mobile or manufactured homes, which differ significantly from traditional site-built homes. Unlike conventional home insurance, which often includes coverage for structural elements and personal property, manufactured home insurance addresses the unique characteristics and risks associated with portable homes. […]
- [Top 10 Insurance Companies in California: Trusted Providers for Every Need](https://www.insuracarelife.com/blog/top-10-insurance-companies-in-california/): California residents face a unique set of risks—wildfires, earthquakes, traffic congestion, and high healthcare costs. Choosing the right insurance provider is critical for protecting your home, car, health, and life. Whether you’re shopping for coverage or switching providers, this guide highlights the top 10 insurance companies in California based on customer satisfaction, financial strength, coverage […]
- [Exploring Alternatives to Sentry Insurance and Church Mutual Insurance Company](https://www.insuracarelife.com/blog/sentry-insurance-and-church-mutual-insurance-company/): Introduction to Sentry Insurance and Church Mutual Insurance Company Sentry Insurance and Church Mutual Insurance Company are two prominent names in the insurance sector, each catering to distinct audiences and needs. Sentry Insurance, established in 1904, is recognized for offering a wide array of insurance solutions primarily aimed at businesses, including property, liability, and worker’s […]
- [KFF Health Tracking Poll: Public Finds Prior Authorization Process Difficult to Manage](https://www.insuracarelife.com/blog/kff-health-tracking-poll-public-finds-prior-authorization-process-difficult-to-manage/): Key Takeaways A large majority of the public (73%) think that delays and denials of services and treatments by health insurance companies are a major problem. Majorities across demographic groups agree that denials and delays of care are a major problem, with at least two-thirds across income groups and majorities across partisanship. Six in ten […]
- [EP. 13: The British Open, Hurricane Hype and Happy Gilmore Returns!](https://www.insuracarelife.com/blog/ep-13-the-british-open-hurricane-hype-and-happy-gilmore-returns/): Run Time: 39:22 EP. 13: The British Open, Hurricane Hype and Happy Gilmore Returns! (No Ratings Yet) Loading… 82 views Close Embed Video Use the below code to add this video to your website. In this lively new episode, Golfertainment George and the Florida Insurance Men Patrick Wraight and Kevin Amrhein chat about a Florida […]
- [Duration of Long Term Disability Insurance in Oklahoma: What You Need to Know](https://www.insuracarelife.com/blog/duration-of-long-term-disability-insurance-in-oklahoma/): Understanding Long Term Disability Insurance Long term disability (LTD) insurance is a form of insurance designed to provide financial support to individuals who are unable to work for an extended period due to a disabling illness or injury. This type of insurance aims to replace a portion of the insured’s income, typically a percentage of […]
- [Making Cyber Insurance Work for the Middle Market](https://www.insuracarelife.com/blog/making-cyber-insurance-work-for-the-middle-market/): Run Time: 2:20 Making Cyber Insurance Work for the Middle Market (No Ratings Yet) Loading… 35 views Close Embed Video Use the below code to add this video to your website. Cyber risk is a top global concern, yet middle market companies often lag in coverage. This excerpt of the Insuring Cyber Podcast, hosted by […]
- [SPONSORED: The Adjuster Advantage: EagleView's Claims DNA in Action](https://www.insuracarelife.com/blog/sponsored-the-adjuster-advantage-eagleviews-claims-dna-in-action/): Run Time: 25:55 SPONSORED: The Adjuster Advantage: EagleView’s Claims DNA in Action (No Ratings Yet) Loading… 47 views Close Embed Video Use the below code to add this video to your website. Aerial imagery and data are revolutionizing claims adjusting.  Our vodcast explores how roof photos, measurements and 3D sketches are critical inputs to streamline […]
- [Top Insurance Companies for Home and Auto in Texas: A Comprehensive Guide](https://www.insuracarelife.com/blog/top-insurance-companies-for-home-and-auto-in-texas/): Introduction to Home and Auto Insurance in Texas Insurance plays a crucial role in providing financial protection and peace of mind for homeowners and drivers in Texas. With a rapidly growing population and diverse geographic and climatic conditions, Texas residents face unique challenges that make adequate insurance coverage essential. Home and auto insurance are not […]
- [Hi, I’m Agentic AI. I’m Here to Help](https://www.insuracarelife.com/blog/hi-im-agentic-ai-im-here-to-help/): Run Time: 45:03 Hi, I’m Agentic AI. I’m Here to Help (No Ratings Yet) Loading… 159 views Close Embed Video Use the below code to add this video to your website. On this installment, insuretech exec Ilya Filipov outlines how artificial intelligence will help insurance marketers. This new generation is called agentic AI, where an […]
- [How to Use Whole Life Insurance to Build Wealth in Massachusetts](https://www.insuracarelife.com/blog/how-to-use-whole-life-insurance-to-build-wealth-in-massachusetts/): Whole life insurance is often viewed primarily as a tool for providing financial security to loved ones after a policyholder passes away. However, when used strategically, whole life insurance can also serve as a powerful financial vehicle to build and preserve wealth. In Massachusetts, individuals are increasingly exploring the benefits of whole life policies as […]
- [Is Boat Insurance Required in Michigan? What You Need to Know](https://www.insuracarelife.com/blog/is-boat-insurance-required-in-michigan/): Introduction to Boat Insurance Boat insurance is a specialized form of coverage designed to protect boat owners and their vessels from potential financial losses. Similar to automobile insurance, boat insurance can provide various forms of protection, including liability coverage, which is essential in case of accidents causing damage to third parties or their property. Additionally, […]
- [Individual Market Insurers Requesting Largest Premium Increases in More Than 5 Years](https://www.insuracarelife.com/blog/individual-market-insurers-requesting-largest-premium-increases-in-more-than-5-years/): This analysis of preliminary rate filings submitted by 105 ACA Marketplace insurers in 19 states and DC finds that ACA Marketplace insurers are requesting a median premium increase of 15% for 2026, which would represent the largest hike in premiums since 2018, the last time policy uncertainty contributed to sharp premium growth. In addition to […]
- [Does Home Insurance Cover Flood Damage in Georgia?](https://www.insuracarelife.com/blog/does-home-insurance-cover-flood-damage-in-georgia/): Introduction to Home Insurance Home insurance, often referred to as homeowners insurance, is designed to protect an individual’s home and personal property against a variety of risks. This type of insurance typically covers common perils, including fire, theft, vandalism, and certain natural disasters, such as hurricanes or tornadoes. Policyholders often assume that their home insurance […]
- [Explaining Litigation Challenging the ACA’s Preventive Services Requirements: Braidwood Management Inc. v. Becerra](https://www.insuracarelife.com/blog/explaining-litigation-challenging-the-acas-preventive-services-requirements-braidwood-management-inc-v-becerra/): On June 27,2025, the U.S. Supreme Court issued the opinion for Kennedy v. Braidwood Management, finding that the ACA requirement that most private insurers and Medicaid expansion programs cover preventive services recommended by the United States Preventive Services Preventive Task Force (USPSTF) with no cost-sharing is constitutional. In its decision, the Court affirmed that USPSTF members are […]
- [Understanding Citizens Commercial Property Insurance Coverage in Washington](https://www.insuracarelife.com/blog/citizens-commercial-property-insurance-coverage-in-washington/): Introduction to Citizens Commercial Property Insurance Citizens Commercial Property Insurance is designed to provide crucial coverage for businesses in Washington. This type of insurance serves to safeguard businesses against a range of risks, including property damage that can result from unforeseen events such as fires, severe weather, vandalism, and other hazards. The significance of securing […]
- [Understanding Pet Insurance Coverage for Luxating Patella Surgery in New Jersey](https://www.insuracarelife.com/blog/pet-insurance-coverage-for-luxating-patella-surgery-in-new-jersey/): Introduction to Pet Insurance Pet insurance has emerged as an essential resource for pet owners who wish to mitigate the financial strain posed by unforeseen veterinary expenses. It serves as a form of financial protection, helping to ensure that pets receive necessary medical treatments without placing undue burden on their owners. The primary objective of […]
- [EP. 105: What Insurance Experts Said About Cyber at RIMS 2025](https://www.insuracarelife.com/blog/ep-105-what-insurance-experts-said-about-cyber-at-rims-2025/): Run Time: 26:50 EP. 105: What Insurance Experts Said About Cyber at RIMS 2025 (No Ratings Yet) Loading… 46 views Close Embed Video Use the below code to add this video to your website. On this episode of The Insuring Cyber Podcast, take a look back on four interviews recorded on site at RIMS 2025 […]
- [What Happens When a Life Insurance Policy Matures in Pennsylvania](https://www.insuracarelife.com/blog/what-happens-when-a-life-insurance-policy-matures-in-pennsylvania/): Understanding Life Insurance Maturity In the realm of life insurance, the term “maturity” has a specific meaning distinct from the insured’s death. When a life insurance policy matures, it refers to the point at which the policyholder can receive the benefits of the policy, either through a lump sum payment or another designated benefit. This […]
- [Understanding Condo Insurance: Does It Cover Water Damage to Other Units in Georgia?](https://www.insuracarelife.com/blog/condo-insurance-does-it-cover-water-damage-to-other-units-in-georgia/): Introduction to Condo Insurance Condo insurance, also known as HO6 insurance, is a specialized type of homeowners insurance tailored for condominium owners. It serves as a safeguard for personal property within the unit as well as liability coverage in the event that a tenant or guest suffers an injury while on the premises. Unlike traditional […]
- [Understanding How Renters Insurance Claims Work in Virginia](https://www.insuracarelife.com/blog/how-renters-insurance-claims-work-in-virginia/): What is Renters Insurance? Renters insurance is a type of insurance policy designed to protect tenants from financial losses associated with various risks related to their rented properties. Unlike homeowners insurance, which covers the structure of a home, renters insurance specifically targets the personal property of individuals living in a rental unit, providing essential financial […]
- [Are There Licenses for Long-Term Disability Insurance in Washington?](https://www.insuracarelife.com/blog/are-there-licenses-for-long-term-disability-insurance-in-washington/): When it comes to protecting your income during life’s unexpected curveballs, long-term disability (LTD) insurance plays a crucial role. If you live in Washington and are either considering selling LTD insurance or purchasing a policy, you might be wondering: Are licenses required for long-term disability insurance in Washington? The short answer: Yes, absolutely. And no, […]
- [A Comprehensive Guide to Switching Car Insurance Companies in Oklahoma](https://www.insuracarelife.com/blog/switching-car-insurance-companies-in-oklahoma/): Understanding the Importance of Car Insurance Car insurance plays a critical role for drivers in Oklahoma, serving not only as a legal requirement but also as a crucial financial safeguard. State law mandates that all drivers maintain a minimum level of liability insurance coverage, which protects them against financial losses resulting from accidents involving other […]
- [Americans’ Challenges with Health Care Costs](https://www.insuracarelife.com/blog/americans-challenges-with-health-care-costs/): This brief was updated on July 11, 2025 to include the latest KFF polling data. For many years, KFF polling has found that the high cost of health care is a burden on U.S. families, and that health care costs factor into decisions about insurance coverage and care seeking. These costs and the prospect of […]
- [Access to OB-GYNs: Evaluating Workforce Supply and ACA Marketplace Networks](https://www.insuracarelife.com/blog/access-to-ob-gyns-evaluating-workforce-supply-and-aca-marketplace-networks/): OB-GYNs provide a range of care for women throughout their lifespan, including diagnosis and treatment of gynecological conditions such as endometriosis, polycystic ovary syndrome, and cervical cancer; contraceptive care; prenatal and postpartum care; and menopause management. Access to care depends on several factors, including the availability of providers and, for people with insurance, whether the […]
- [Understanding Workers' Compensation Insurance Exemptions in Texas](https://www.insuracarelife.com/blog/workers-compensation-insurance-exemptions-in-texas/): Introduction to Workers’ Compensation Insurance Workers’ compensation insurance is a critical financial safeguard designed to provide benefits to employees who sustain work-related injuries or illnesses. This system serves as a contractual agreement between employers and employees, ensuring that workers receive necessary medical treatment, rehabilitation services, and compensation for lost wages resulting from workplace incidents. By […]
- [Understanding Business Owners Policy (BOP) Insurance in New York](https://www.insuracarelife.com/blog/business-owners-policy-bop-insurance-in-new-york/): Introduction to Business Owners Policy (BOP) Business Owners Policy (BOP) insurance is a comprehensive insurance package designed to meet the needs of small to medium-sized businesses. This type of policy combines various types of essential coverage, making it a valuable option for business owners seeking robust protection against different risks associated with running an enterprise. […]
- [SPONSORED: How Independent Agents Are Winning Big in the Rental Market](https://www.insuracarelife.com/blog/sponsored-how-independent-agents-are-winning-big-in-the-rental-market/): Run Time: 9:10 SPONSORED: How Independent Agents Are Winning Big in the Rental Market (No Ratings Yet) Loading… 16 views Close Embed Video Use the below code to add this video to your website. In this special podcast episode, Insurance Journal host George Jack sits down with Darren Nix, founder of Steadily, to explore how […]
- [How to Get Short Term Disability Insurance in California](https://www.insuracarelife.com/blog/how-to-get-short-term-disability-insurance-in-california/): Understanding Short Term Disability Insurance Short term disability insurance is a type of coverage designed to provide financial support to individuals who are temporarily unable to work due to a medical condition or injury. This form of insurance offers crucial benefits when an employee experiences a short-term disability, which can stem from various incidents such […]
- [When Do You Need Commercial Vehicle Insurance in California?](https://www.insuracarelife.com/blog/when-do-you-need-commercial-vehicle-insurance-in-california/): Understanding Commercial Vehicle Insurance Commercial vehicle insurance is a specialized form of coverage designed to protect vehicles used for business purposes. This type of insurance is distinct from personal vehicle insurance, which generally covers vehicles primarily used for personal errands and leisure activities. The main purpose of commercial vehicle insurance is to provide financial protection […]
- [Broker Leader Combines ‘Analytics and People’](https://www.insuracarelife.com/blog/broker-leader-combines-analytics-and-people/): Run Time: 36:21 Broker Leader Combines ‘Analytics and People’ (No Ratings Yet) Loading… 76 views Close Embed Video Use the below code to add this video to your website. On this installment we meet Olga Collins, CEO of the Worldwide Broker Network, or WBN. Olga is a true woman of the world, speaking six languages, […]
- [Is Condo Insurance Cheaper Than Home Insurance in NYC?](https://www.insuracarelife.com/blog/is-condo-insurance-cheaper-than-home-insurance-in-nyc/): Understanding the Basics of Condo and Home Insurance When navigating the world of property insurance, it is essential to understand the fundamental differences between condo insurance and home insurance. Condo insurance, often referred to as HO-6 insurance, is tailored for individuals who own condominium units. This type of insurance primarily covers personal property, liability, and […]
- [Is Boat Insurance Mandatory in Florida?](https://www.insuracarelife.com/blog/is-boat-insurance-mandatory-in-florida/): Introduction to Boat Insurance Boat insurance serves as a crucial safeguard for boat owners, offering protection against potential risks associated with operating a vessel. It is a specialized form of insurance designed to cover various aspects related to boating, including theft, damage, and liability in the event of an accident. For boat owners in Florida, […]
- [Is Motorcycle Insurance Required in Texas?](https://www.insuracarelife.com/blog/is-motorcycle-insurance-required-in-texas/): Introduction to Motorcycle Insurance in Texas Motorcycle insurance plays a crucial role in safeguarding both riders and the general public on the roads of Texas. As the number of motorcyclists increases, so does the necessity for adequate insurance coverage. Motorcycle insurance serves multiple purposes; it protects the rider in the event of an accident, helps […]
- [Finding the Right Insurance Service Provider in Ohio](https://www.insuracarelife.com/blog/finding-the-right-insurance-service-provider-in-ohio/): Insurance Services Insurance services encompass a range of products designed to provide financial protection against potential risks and uncertainties. In Ohio, individuals and businesses have access to various types of insurance products, including auto, home, renter’s, health, and life insurance. Each type of insurance addresses specific needs and circumstances, ultimately offering peace of mind in […]
- [How Affordability of Employer Coverage Varies by Family Income](https://www.insuracarelife.com/blog/how-affordability-of-employer-coverage-varies-by-family-income/): People in lower-income families with employer coverage spend a greater share of their income on health costs than those with higher incomes, and the cost of employer sponsored health insurance—including premiums, deductibles, and other out-of-pocket costs—has risen steadily over time. Low-income workers offered health insurance through their employer are typically not eligible for subsidies on […]
- [Do You Get Money Back from Whole Life Insurance in Florida?](https://www.insuracarelife.com/blog/do-you-get-money-back-from-whole-life-insurance-in-florida/): When considering life insurance options in Florida, many people wonder if a whole life insurance policy will offer more than just peace of mind. The golden question remains:“Do you get money back from whole life insurance?”The short and honest answer is yes—but the details are important, and they vary depending on how the policy is […]
- [Understanding How General Liability Insurance is Calculated for Contractors in Illinois](https://www.insuracarelife.com/blog/how-general-liability-insurance-is-calculated-for-contractors-in-illinois/): Introduction to General Liability Insurance General liability insurance serves as a crucial component for contractors operating in Illinois, providing essential protection against a variety of risks encountered in the construction and contracting industry. This type of insurance is designed to cover potential liabilities that may arise during the course of a contractor’s work, safeguarding both […]
- [How Much Is Full Coverage Car Insurance in California for 2025–26?](https://www.insuracarelife.com/blog/how-much-is-full-coverage-car-insurance-in-california-for-2025-26/): Car insurance is a necessity for all drivers in California, providing coverage for accidents, damages, theft, and other unforeseen events. Full coverage car insurance offers the most comprehensive protection and is highly recommended for those who own new or valuable vehicles. However, understanding how much it will cost you in California for 2025–26 requires a […]
- [EP. 104: Tariffs, Trade, and Technology: Navigating Supply Chain Risk](https://www.insuracarelife.com/blog/ep-104-tariffs-trade-and-technology-navigating-supply-chain-risk/): Run Time: 18:44 EP. 104: Tariffs, Trade, and Technology: Navigating Supply Chain Risk (No Ratings Yet) Loading… 87 views Close Embed Video Use the below code to add this video to your website. In this episode of The Insuring Cyber Podcast, James Crask from Marsh discusses how companies can stay resilient in an era of […]
- [What Is a Flexible Premium Adjustable Life Insurance Policy in Virginia?](https://www.insuracarelife.com/blog/what-is-a-flexible-premium-adjustable-life-insurance-policy-in-virginia/): When it comes to life insurance policies in Virginia, a flexible premium adjustable life insurance policy might sound like it’s full of possibilities, but the reality is quite the opposite. These policies offer minimal flexibility, and the adjustments you can make are often limited or nonexistent. If you’re looking for a life insurance policy that […]
- [Pending Changes to Marketplace Plans Could Increase Cost Sharing for Consumers](https://www.insuracarelife.com/blog/pending-changes-to-marketplace-plans-could-increase-cost-sharing-for-consumers/): Changes to Marketplace plans recently finalized by the Centers for Medicare and Medicaid Services (CMS) may incentivize insurers to make their plans less generous. With less generous plans, consumers could face higher out-of-pocket costs. However, these changes could also lower premiums for those who don’t qualify for premium assistance (roughly 8% of Marketplace enrollees). Plans […]
- [Understanding Home Insurance Coverage for Water Damage in Florida](https://www.insuracarelife.com/blog/home-insurance-coverage-for-water-damage-in-florida/): Introduction to Home Insurance in Florida Home insurance is a vital financial tool designed to protect homeowners from unexpected risks associated with property ownership. In Florida, where the climate and environmental factors significantly impact residential properties, understanding the intricacies of home insurance becomes particularly important. This insurance coverage typically includes protection against damages from various […]
- [Independent Broker Maintains Independence - Insurance Journal TV](https://www.insuracarelife.com/blog/independent-broker-maintains-independence-insurance-journal-tv/): Run Time: 36:53 Independent Broker Maintains Independence (No Ratings Yet) Loading… 70 views Close Embed Video Use the below code to add this video to your website. Meet Spencer Mahoney, chief growth officer for CCIG, a Denver-based independent broker with 100 employees generating $30 million in revenue. The firm competes with the big boys in […]
- [Understanding the Cost Differences Between Commercial and Personal Auto Insurance in Massachusetts](https://www.insuracarelife.com/blog/commercial-and-personal-auto-insurance/): Introduction to Auto Insurance Types Auto insurance is a crucial element for vehicle owners, providing financial protection in case of accidents, theft, or damage. In Massachusetts, there are primarily two categories of auto insurance: personal and commercial. Understanding the distinctions between these two types is vital for policyholders to ensure they have the appropriate coverage […]
- [Does Your Homeowner Insurance Cover Your Vacation Rental in the USA?](https://www.insuracarelife.com/blog/does-your-homeowner-insurance-cover-your-vacation-rental-in-the-usa/): Understanding Homeowner’s Insurance Homeowner’s insurance is a crucial financial product designed to protect individuals against various risks associated with property ownership. This type of insurance typically includes several key coverage options, such as dwelling protection, which safeguards the physical structure of the home against hazards such as fire, theft, or natural disasters. Additionally, personal property […]
- [Understanding Workers Compensation Insurance Costs in California](https://www.insuracarelife.com/blog/workers-compensation-insurance-costs-in-california/): Introduction to Workers Compensation Insurance Workers’ compensation insurance serves as a critical safety net for both employees and employers in California. This type of insurance is designed to provide financial and medical benefits to employees who suffer work-related injuries or illnesses. The primary purpose of workers’ compensation is to ensure that injured workers receive necessary […]
- [How to Become a Preferred Vendor for Insurance Companies in Oklahoma](https://www.insuracarelife.com/blog/how-to-become-a-preferred-vendor-for-insurance-companies-in-oklahoma/): Understanding the Role of Preferred Vendors In the insurance industry, the term “preferred vendor” refers to businesses that have established a formal partnership with insurance companies to provide services, repairs, or supplies to policyholders. These vendors are often vetted by the insurance providers based on criteria such as reliability, quality of work, and customer service. […]
- [Poll: Public Views “Big Beautiful Bill” Unfavorably by Nearly a 2-1 Margin; Democrats, Independents and Non-MAGA Republicans Oppose It, While MAGA Supporters Favor It; Favorability Erodes When People Hear About Possible Health Impacts](https://www.insuracarelife.com/blog/poll-public-views-big-beautiful-bill-unfavorably-by-nearly-a-2-1-margin-democrats-independents-and-non-maga-republicans-oppose-it-while-maga-supporters-favor-it-favorability-ero/): Medicaid Work Requirements Are Generally Popular, But Arguments Can Shift Views Nearly two-thirds (64%) of the public holds unfavorable views of the “One Big Beautiful Bill” passed last month by the House, nearly twice the share who view the bill favorably (35%), a new KFF Health Tracking Poll finds. The budget reconciliation bill that includes […]
- [Is Home Insurance More Expensive for Vacation Homes in California?](https://www.insuracarelife.com/blog/is-home-insurance-more-expensive-for-vacation-homes-in-california/): Understanding Home Insurance for Vacation Homes Home insurance serves as a pivotal mechanism for protecting one’s investments, particularly for vacation homes in California. As property owners often seek to enjoy leisure experiences in beautiful locations along the coastline or in the mountains, understanding the nuances of home insurance becomes paramount. Unlike primary residences, vacation homes, […]
- [Understanding the Cost of Recreational Vehicle Insurance in Texas](https://www.insuracarelife.com/blog/the-cost-of-recreational-vehicle-insurance-in-texas/): Introduction to Recreational Vehicle Insurance Recreational vehicle (RV) insurance is a specialized form of insurance designed to protect RV owners from potential financial losses incurred from accidents, theft, and damage. Unlike standard auto insurance, RV insurance takes into account the unique risks associated with owning and operating a recreational vehicle. In Texas, where the RV […]
- [Understanding Commercial Umbrella Insurance: Does it Cover Property Damage in the USA?](https://www.insuracarelife.com/blog/commercial-umbrella-insurance-does-it-cover-property-damage-in-the-usa/): Introduction to Commercial Umbrella Insurance Commercial umbrella insurance is a crucial financial safety net designed for businesses, providing an additional layer of liability coverage beyond the limits of traditional insurance policies. This specialized insurance is particularly important for businesses that face significant risks and liabilities in their operations. It acts as a buffer, ensuring that […]
- [Renewing Short Term Health Insurance in Ohio: A Comprehensive Guide](https://www.insuracarelife.com/blog/renewing-short-term-health-insurance-in-ohio/): Understanding Short Term Health Insurance Short term health insurance is a temporary health coverage option designed to bridge gaps in health insurance, particularly for individuals who find themselves between longer-term plans. Unlike traditional health insurance, which typically requires a minimum coverage period of 12 months, short term policies can vary in length, offering coverage for […]
- [Indiana court shields Amazon, Bryan Builders – reshaping risk for construction insurers](https://www.insuracarelife.com/blog/indiana-court-shields-amazon-bryan-builders-reshaping-risk-for-construction-insurers/): Indiana court shields Amazon, Bryan Builders – reshaping risk for construction insurers – On September 30, 2025, the Court of Appeals of Indiana decided a dispute stemming from a construction project at an Amazon warehouse in Plainfield, Indiana. Amazon.com Services, LLC and Bryan Builders, LLC had a master agreement that required Amazon to maintain an […]
- [Looming talent gap: More than 170 occupations face skill shortages by 2032](https://www.insuracarelife.com/blog/looming-talent-gap-more-than-170-occupations-face-skill-shortages-by-2032/): Looming talent gap: More than 170 occupations face skill shortages by 2032 Address persistent attainment gaps by race/ethnicity and socioeconomic status Study the expansion of skills-based hiring to improve its effectiveness Invest in education and training for all workers who need to update their skills Use technology to increase worker productivity Expand visa programmes to […]
- [California Insurance Commissioner Lara under investigation by ethics regulator](https://www.insuracarelife.com/blog/california-insurance-commissioner-lara-under-investigation-by-ethics-regulator/): Some political leaders noted the unique security considerations for Lara, the state’s first openly gay statewide elected official. Former Assemblymember Evan Low, now CEO of the LGBTQ+ Victory Institute, acknowledged that security costs may reflect an era of heightened threats against LGBTQ officials. “Well, I know that in this environment there is increased scrutiny and […]
- [How insurers are grappling with silent AI :: Insurance Day](https://www.insuracarelife.com/blog/how-insurers-are-grappling-with-silent-ai-insurance-day/): Brokers and policyholders are pushing to obtain cover for risks related to artificial intelligence (AI) in products lines such as cyber, directors’ and officers’ (D&O) liability and professional indemnity, the Insurance Day podcast has heard. Jonathan Hopkins, an associate at law firm DAC Beachcroft, said brokers are increasingly asking for specific policy language affirming AI-related […]
- [Can I Use My Car Insurance for My Girlfriend's Car in Florida and Ohio?](https://www.insuracarelife.com/blog/can-i-use-my-car-insurance-for-my-girlfriends-car-in-florida/): Understanding Car Insurance Basics Car insurance is a contract between the vehicle owner and an insurance company that provides financial protection against physical damage and bodily injury resulting from car accidents. It is a crucial aspect of vehicle ownership, serving to mitigate potential financial losses arising from unforeseen events. In many jurisdictions, including Florida, having […]
- [Great American targets $2.3 million bond after Missouri bank fraud claim](https://www.insuracarelife.com/blog/great-american-targets-2-3-million-bond-after-missouri-bank-fraud-claim/): The complaint details a sequence of events that began to unravel in October 2023. According to the filing, Megan Dougherty, who held multiple positions at Exchange Bank – including vice president of information technology, audit officer, and customer services representative – was found to have transferred $2,350,997.82 from customer accounts into her own, over a […]
- [Managing malicious attacks from inside your organization](https://www.insuracarelife.com/blog/managing-malicious-attacks-from-inside-your-organization/): The information and recommendations presented herein are for general informational purposes only. No warranties or representations are made as to the accuracy of the information provided, and QBE North America assumes no liability in connection with your use or non-use of such information and does not guarantee that the information includes all possible risks or […]
- [A broker's roadmap to the Associate in Insurance Services designation](https://www.insuracarelife.com/blog/a-brokers-roadmap-to-the-associate-in-insurance-services-designation/): 
 
 
 Item 
 Estimated Cost (USD) 
 
 
 
 
 AIS 320 Course Registration 
 $320 – $400 
 
 
 Course Materials (eBook/Print) 
 $75 – $125 
 
 
 Final Exam Fee 
 Included with course 
 
 
 Optional Study Aids 
 $50 – $100 (if selected) 
 
 […]
- [Liberty Insurance sues ACE American over warehouse shooting liability](https://www.insuracarelife.com/blog/liberty-insurance-sues-ace-american-over-warehouse-shooting-liability/): On April 27, 2023, Carol Robinson-Huey, individually and as Administrator of the Estate of Tevin Huey, filed a wrongful death suit in the State Court of DeKalb County, Georgia. The case was later transferred to the State Court of Gwinnett County, Georgia, as Case No. 24-C-07306-S1. Defendants in the underlying suit include Kellogg, CJ, ProLogistix, […]
- [Progressive faces scrutiny as court probes adjuster's settlement tactics](https://www.insuracarelife.com/blog/progressive-faces-scrutiny-as-court-probes-adjusters-settlement-tactics/): Winner, who held a Progressive auto policy with UIM coverage, was injured in a car accident in 2021. After bringing a personal injury lawsuit against the at-fault driver and entering settlement negotiations, Winner’s attorney contacted Progressive to open a UIM claim. According to the court record, Progressive’s adjuster, Margaret Mary Burke, then contacted the opposing […]
- [Insurance moves at Amerisure and MSIG USA](https://www.insuracarelife.com/blog/insurance-moves-at-amerisure-and-msig-usa/): Clavin (pictured above, left) has more than 20 years of experience in the insurance industry and has held a series of leadership positions since joining Amerisure in 2012 as a marketing underwriting in the St. Louis office. He later became CSC manager, with responsibilities for Arizona and Utah, before moving into assistant vice president and regional […]
- [Selective Insurance challenges duty to cover EOS Surfaces silica claims](https://www.insuracarelife.com/blog/selective-insurance-challenges-duty-to-cover-eos-surfaces-silica-claims/): The underlying lawsuits – now coordinated in California – include more than 260 “Stone Countertop Worker Silicosis Cases.” According to the complaints, plaintiffs allege exposure to “stone dust containing silica and other toxins and carcinogens, as well as artificial stone dust containing respirable crystalline silica (including quartz and cristobalite), metals (including aluminum, antimony, arsenic, chromium, […]
- [Finding the Best Dental Insurance with No Waiting Period in Ohio](https://www.insuracarelife.com/blog/best-dental-insurance/): Introduction to Dental Insurance in Ohio The landscape of dental insurance in Ohio plays a crucial role in securing the oral health of its residents. Dental insurance typically provides financial support for a variety of dental care services, which can range from routine cleanings to more complex procedures such as root canals or orthodontics. For […]
- [Why cyber + climate equals huge risks](https://www.insuracarelife.com/blog/why-cyber-climate-equals-huge-risks/): For insurers and reinsurers, the collision of perils shows up as aggregation. You can cluster exposure by postcode (coastal data centres, transmission corridors, telecoms exchanges) and by codebase (shared cloud regions, common vendors). Either way, the same storm that degrades cooling can stretch incident-response teams, extend outage durations beyond cyber waiting periods and push a […]
- [Citizens sued over alleged mishandling of Hurricane Milton claim](https://www.insuracarelife.com/blog/citizens-sued-over-alleged-mishandling-of-hurricane-milton-claim/): A Florida homeowner’s federal lawsuit accuses a major insurer and mortgage servicer of mishandling a hurricane claim, blocking repairs, and failing to follow federal rules.  In a complaint filed in the US District Court for the Southern District of Florida, Johna Swanfeld alleges that Citizens Property Insurance Corporation and Freedom Mortgage Corporation mishandled her insurance […]
- [Ascot sues to cap E&O payouts after costly real estate wire fraud](https://www.insuracarelife.com/blog/ascot-sues-to-cap-eo-payouts-after-costly-real-estate-wire-fraud/): Ascot Specialty Insurance is battling in federal court to cap its E&O liability after wire fraud drained nearly $750,000 from real estate closings.  On September 15, 2025, Ascot Specialty Insurance Company filed suit in Chicago, seeking a ruling on just how much coverage its errors and omissions (E&O) policy provides when fraudsters strike title agents.  […]
- [Atain moves to block $3.6 million contractor coverage in court fight](https://www.insuracarelife.com/blog/atain-moves-to-block-3-6-million-contractor-coverage-in-court-fight/): Atain Specialty Insurance Company, a Michigan corporation, has filed a complaint in the United States District Court for the Central District of California, seeking declaratory relief that it has no duty to defend or indemnify SQS Contractors, Inc. or its officer, Rosa Del Carmen Santillana, in litigation related to a commercial construction project in Covina, […]
- [The Power of Whole Life Insurance: Stability, Security, and Growth](https://www.insuracarelife.com/blog/whole-life-insurance-stability/): Introduction to Whole Life Insurance Whole life insurance is a type of permanent life insurance that provides coverage throughout an individual’s lifetime, as long as premiums are paid. In contrast to term life insurance, which only offers coverage for a specified period, whole life insurance ensures a death benefit is paid to beneficiaries regardless of […]
- [Liberty Mutual denies $200K cargo loss claim, faces lawsuit from Bay Island](https://www.insuracarelife.com/blog/liberty-mutual-denies-200k-cargo-loss-claim-faces-lawsuit-from-bay-island/): According to the complaint filed in the United States District Court for the District of South Carolina, Greenwood Division, Bay Island and Wildcat Retro Brands manufacture and sell textile products, primarily t-shirts, distributed by both companies. In April 2024, the companies contracted with Priority-1 to transport goods from their Wildcat Retro Brands facility in California […]
- [Mid-Century Insurance fights Costco coverage in Utah injury lawsuit](https://www.insuracarelife.com/blog/mid-century-insurance-fights-costco-coverage-in-utah-injury-lawsuit/): Mid-Century Insurance Company is seeking a declaratory judgment in the United States District Court for the District of Utah, aiming to clarify its obligations to Costco Wholesale Corporation in a lawsuit stemming from a serious parking lot accident. The complaint, filed on September 17, 2025, comes after a December 2021 incident at the Murray, Utah […]
- [Insurance costs leave resilience gaps - FM](https://www.insuracarelife.com/blog/insurance-costs-leave-resilience-gaps-fm/): FM’s findings show that while many businesses recognise the threats, actions remain incomplete. Only 23% of companies reported fully selecting and installing equipment based on resilience to extreme weather, even though brokers placed it among the most impactful measures. Similarly, just 20% redesigned interiors to ensure the safe flow of floodwater, despite 61% of brokers […]
- [Michigan court clarifies city insurer's PIP liability for transit injuries](https://www.insuracarelife.com/blog/michigan-court-clarifies-city-insurers-pip-liability-for-transit-injuries/): After the accident, the city’s insurer, Michigan Municipal League Liability & Property Pool (the Pool), initially paid some benefits to Clemans. However, the Pool then advised her to seek coverage from the Michigan Assigned Claims Plan (MACP), which provides PIP benefits to individuals injured in auto accidents who do not have other applicable insurance. MACP […]
- [AXA XL, Allianz face potential claims after Air India crash](https://www.insuracarelife.com/blog/axa-xl-allianz-face-potential-claims-after-air-india-crash/): Honeywell’s exposure runs through a dedicated aviation products placement rather than its general public/products liability. The company’s current Memorandum of Insurance lists “Aviation Liability Insurance including Aircraft Products and Completed Operations, Grounding Liability,” led by Allianz Global Risks US Insurance Company, policy A1PR000204824AM, in force from 14 November 2024 to 14 November 2025, with a […]
- [Travelers sues Chubb in high-stakes Midtown injury coverage dispute](https://www.insuracarelife.com/blog/travelers-sues-chubb-in-high-stakes-midtown-injury-coverage-dispute/): The complaint, filed September 12, 2025, details a dispute rooted in contracts, insurance policies, and legal obligations. The underlying incident involves William Lovett, an employee of Karo Sheet Metal, who alleges he was injured on December 4, 2020, while working on a construction project at the premises. Lovett claims he slipped and fell on construction […]
- [Understanding Pet Insurance Coverage for Pre-Existing Conditions in Oklahoma](https://www.insuracarelife.com/blog/pet-insurance-coverage/): Introduction to Pet Insurance Pet insurance is a specialized form of coverage designed to help pet owners manage the financial risks associated with veterinary care. Much like health insurance for humans, pet insurance provides a safety net for unexpected medical expenses, including accidents, illnesses, and, in some cases, ongoing health issues. The growing recognition of […]
- [CFC CEO on expansion plans, investment and changing perceptions](https://www.insuracarelife.com/blog/cfc-ceo-on-expansion-plans-investment-and-changing-perceptions/): Shifting market perceptions O’Shea is focused on ensuring CFC supports businesses with the full breadth of its product offering, as it continues to innovate and expand coverage. “We’re recruiting, in all our geographies, senior representatives of those different products and then it’s about time and talking and getting out there and sitting with our brokers, […]
- [Liberty Mutual sues All Web Leads for $1.35 million over insurance leads](https://www.insuracarelife.com/blog/liberty-mutual-sues-all-web-leads-for-1-35-million-over-insurance-leads/): As a result of the Fralish and Ward litigations, Liberty Mutual claims to have incurred litigation costs, attorneys’ fees, and other damages in the amount of at least $1,359,260.13, exclusive of allowable and/or applicable interest and costs. The complaint seeks a judgment against AWL in an amount no less than $1,359,260.13, plus attorneys’ fees, costs, […]
- [How to Find Cheap Auto Insurance in California: A Step-by-Step Guide](https://www.insuracarelife.com/blog/how-to-find-cheap-auto-insurance-in-california/): Understanding Auto Insurance in California Auto insurance in California is a necessary component for all vehicle owners, given that the state has established specific requirements governing insurance coverage. California law mandates that drivers maintain a minimum level of liability insurance, which is crucial for protecting against financial loss in the event of a vehicle accident. […]
- [Allstate battles lawsuit as franchisee claims illegal agency shutdown](https://www.insuracarelife.com/blog/allstate-battles-lawsuit-as-franchisee-claims-illegal-agency-shutdown/): The story begins with James Lukezic, a 24-year veteran of the financial services industry, who in 2016 set up his own practice as a retirement investment advisor and insurance agent. By 2019, he had acquired a broker-dealer business from CNA Insurance, renaming it Old Slip Capital Management, Inc., and built a nationwide investment advisory operation. […]
- [Economic downturn won't hamper E&S growth: Pivix CEO](https://www.insuracarelife.com/blog/economic-downturn-wont-hamper-es-growth-pivix-ceo/): The three biggest growth drivers – and two headwinds – for E&S Miller identified three key factors that will shape E&S growth in the coming years: economic conditions, emerging risks, and a strengthening distribution channel.
 “A strong US economy creates opportunities, because we insure new and growing businesses,” he told Insurance Business. “But even in […]
- [Understanding Commercial Health Insurance: What It Is and How It Works](https://www.insuracarelife.com/blog/commercial-health-insurance/): Introduction to Commercial Health Insurance Commercial health insurance serves as a vital component of the healthcare system, offering individuals and families a means to access medical services with financial support. Essentially, commercial health insurance is provided by private insurers and is designed to cover a range of healthcare expenses, including hospital visits, outpatient care, and […]
- [GEICO accuses Queens supplier of orchestrating $1 million RICO fraud](https://www.insuracarelife.com/blog/geico-accuses-queens-supplier-of-orchestrating-1-million-rico-fraud/): GEICO alleges that the defendants submitted, or caused to be submitted, hundreds of fraudulent no-fault insurance charges, billing for equipment that was not medically necessary, not properly prescribed, or misrepresented in type and value. The complaint states that Grandview Supply, which is not a licensed healthcare provider, made unauthorized decisions about what equipment to dispense […]
- [CSAA dodges pandemic refunds as California court shields insurers' premiums](https://www.insuracarelife.com/blog/csaa-dodges-pandemic-refunds-as-california-court-shields-insurers-premiums/): The plaintiffs’ complaint cited California’s Unfair Competition Law and Insurance Code section 1861.05(a), which states that “no rate shall be approved or remain in effect which is excessive, inadequate, unfairly discriminatory or otherwise in violation of this chapter.” They argued that CSAA’s failure to refund more of the premiums violated this provision, especially since the […]
- [Understanding Why Car Insurance Is So Expensive in Michigan](https://www.insuracarelife.com/blog/car-insurance-in-michigan/): Introduction to Car Insurance in Michigan Michigan has a distinctive car insurance landscape that stands out when compared to other states in the United States. This uniqueness can largely be attributed to its no-fault insurance system, which was established in 1973. The primary objective of this law was to streamline the claims process and assure […]
- [NavSav alleges ex-Pointer Insurance owners misappropriated client data in $5.4 million deal](https://www.insuracarelife.com/blog/navsav-alleges-ex-pointer-insurance-owners-misappropriated-client-data-in-5-4-million-deal/): According to the complaint, the Johnsons, as principals, sold the assets of Pointer Insurance to NavSav for $5,405,000 on May 1, 2023. As part of the transaction, the Johnsons were obligated to deliver all data and information maintained in Pointer Insurance’s data management system – referred to as the Pointer Management System – including confidential […]
- [Texas Gulf Bank sues insurers after cyber fraud claim denied](https://www.insuracarelife.com/blog/texas-gulf-bank-sues-insurers-after-cyber-fraud-claim-denied/): “The Insurer will not be liable to make any payment for Loss, Regulatory Correction Expense, Public Relations Expense, or Privacy Breach Response Expense in connection with any Claim, Privacy Breach Incident, or Denial of Service Attack arising out of, or in any way involving, a breach of any computer system or any communication network, other […]
- [Where to Get Liability Insurance for Small Businesses in Ohio](https://www.insuracarelife.com/blog/liability-insurance-for-small-businesses/): Understanding Liability Insurance Liability insurance is a critical component for small businesses, serving as a safeguard against potential legal claims and financial losses. Essentially, it protects business owners from the costs associated with lawsuits resulting from injuries, damages, or negligence related to their business operations. Given the unpredictable nature of conducting business, having adequate liability […]
- [Johns Manville sues Liberty Mutual, Swiss Re over $22 million antitrust coverage](https://www.insuracarelife.com/blog/johns-manville-sues-liberty-mutual-swiss-re-over-22-million-antitrust-coverage/): At the heart of the dispute is a legal battle between Johns Manville and its competitor, Chase Manufacturing, Inc., which does business as Thermal Pipe Shields (TPS). TPS sued Johns Manville in 2019, alleging that Johns Manville and its subsidiary, Industrial Insulation Group, LLC (IIG), disparaged TPS’s calcium silicate insulation product – known as Calsil. […]
- [Court lets Georgia Farm Bureau deny claims for unauthorized vehicle use](https://www.insuracarelife.com/blog/court-lets-georgia-farm-bureau-deny-claims-for-unauthorized-vehicle-use/): The facts presented to the court were clear. Holder had a standing arrangement with his employee, Laterran Green, who was allowed to use the truck for work related to Holder’s rental properties. However, Holder had explicitly instructed Green that Walker was not permitted to drive the truck. Green confirmed that he never gave Walker permission […]
- [Understanding Florida Condo Homeowners Insurance: What You Need to Know](https://www.insuracarelife.com/blog/understanding-florida-condo-homeowners-insurance-what-you-need-to-know/): Introduction to Condo Homeowners Insurance Condo homeowners insurance, often referred to as HO6 insurance, is a specialized form of coverage tailored specifically for condominium owners. Unlike traditional homeowner’s insurance, which covers standalone properties, Florida condo homeowners insurance addresses the unique needs of condo living. This type of insurance is essential for Florida residents who own […]
- [Boeing faces lawsuit as analyst claims Hartford, Alight blocked disability benefits](https://www.insuracarelife.com/blog/boeing-faces-lawsuit-as-analyst-claims-hartford-alight-blocked-disability-benefits/): Andrea Clark, who joined Boeing in July 2013 as a level three financial analyst, filed her complaint in the United States District Court for the Northern District of Illinois, Eastern Division, on September 10, 2025. According to the complaint, Clark’s employment ended in February 2024 when she was forced to stop working due to paresthesia, […]
- [Insurers forced to defend Peterson's in heated biodiesel coverage fight](https://www.insuracarelife.com/blog/insurers-forced-to-defend-petersons-in-heated-biodiesel-coverage-fight/): Peterson’s was covered by a series of commercial general liability policies from United States Fire Insurance Company and The North River Insurance Company between 2011 and 2016. These policies covered property damage caused by an “occurrence,” defined as an “accident, including continuous or repeated exposure to substantially the same general harmful conditions.” Each policy included […]
- [Understanding Comprehensive Vehicle Insurance: What You Need to Know](https://www.insuracarelife.com/blog/comprehensive-vehicle-insurance/): Introduction to Comprehensive Vehicle Insurance Comprehensive vehicle insurance is a fundamental aspect of auto insurance policies, designed to protect vehicle owners from a variety of risks beyond standard coverage. It encompasses protection against damages caused by incidents that do not involve a collision, such as theft, vandalism, natural disasters, and falling objects. This type of […]
- [Liberty Insurance accuses Great American of dodging coverage in major lawsuit](https://www.insuracarelife.com/blog/liberty-insurance-accuses-great-american-of-dodging-coverage-in-major-lawsuit/): The underlying lawsuit, brought by Jose Almendarez, alleges that on May 11, 2020, Almendarez was working at 870 7th Avenue, New York, NY, at an elevated height on a scaffold, when he fell and was injured. The action includes claims of negligence and violations of Sections 200, 240(1) and (2), and 241(6) of the New […]
- [Loss prevention still crucial for marine insurance, Iumi told :: Insurance Day](https://www.insuracarelife.com/blog/loss-prevention-still-crucial-for-marine-insurance-iumi-told-insurance-day/): Loss prevention has never been more relevant for marine insurance and will become even more central in the coming period, the International Union of Marine Insurance (Iumi) has been told. Pascal Dubois, chief executive of French casualty management provider Comité d’Études et de Services des Assureurs Maritimes et Transports, was speaking at a workshop at Iumi’s conference […]
- [2025 Cyber Outlook: Proven Strategies to Safeguard Your Clients and Business](https://www.insuracarelife.com/blog/2025-cyber-outlook-proven-strategies-to-safeguard-your-clients-and-business/): Cyber threats are evolving at a record pace, and American businesses are facing unprecedented challenges in safeguarding sensitive data. With regulatory scrutiny tightening and high-profile breaches making headlines, insurance professionals must be prepared to guide clients through a shifting cyber risk landscape. As the stakes rise, staying informed is not just an advantage – it’s […]
- [Health Insurance Options for Undocumented Immigrants: What’s Available?](https://www.insuracarelife.com/blog/health-insurance-options/): Introduction The health care landscape for undocumented immigrants in the United States is marked by a myriad of challenges, primarily regarding access to health insurance. Understanding the nuances of health insurance options available to these individuals is crucial, especially considering the legal and societal contexts surrounding their situations. Undocumented immigrants often encounter significant barriers when […]
- [Cargo insurance premiums are ‘dropping off a cliff’ :: Insurance Day](https://www.insuracarelife.com/blog/cargo-insurance-premiums-are-dropping-off-a-cliff-insurance-day/): Cargo insurance premiums are set to slide after an extended period of stability, the International Union of Marine Insurance (Iumi) has been told. The warning, which was made by Mike Brews of South Africa’s Horizon Underwriting Managers, was delivered at the organisation’s annual conference in Singapore this morning. His conclusions are in line with both recent […]
- [Wesco claims Sentry refused to pay $1.99 million injury settlement](https://www.insuracarelife.com/blog/wesco-claims-sentry-refused-to-pay-1-99-million-injury-settlement/): A $1.99 million settlement offer gone unanswered has sparked a legal fight between two insurers over who should’ve paid – and who didn’t.  Wesco Insurance filed a lawsuit on September 5 in the US District Court for the Northern District of California, claiming Sentry Insurance refused to settle a personal injury case within its policy […]
- [China now core H&M insurance centre, Iumi told :: Insurance Day](https://www.insuracarelife.com/blog/china-now-core-hm-insurance-centre-iumi-told-insurance-day/): China must now be considered to be a core hull and machinery (H&M market, with a steady double-digit percentage point slice of the pie, the International Union of Marine Insurance conference has been told. The comments from American Hellenic Hull chief executive, Ilias Tsakiris, were delivered at a workshop session at the event in Singapore […]
- [Four top executives leave USAA](https://www.insuracarelife.com/blog/four-top-executives-leave-usaa/): Four senior executives are departing United Services Automobile Association (USAA) as the financial services company undergoes organizational restructuring, the company announced.  The executives leaving include Brandon Carter, president of USAA Life Insurance Co.; Ameesh Vakharia, executive vice president and chief strategy and brand officer; Amala Duggirala, executive vice president and chief information officer; and Tom […]
- [What Home Insurance in Ohio Doesn't Cover](https://www.insuracarelife.com/blog/ohio-home-insurance/): Owning a home in Ohio comes with a sense of pride and security. Your homeowner’s insurance policy is a key part of that security, acting as a financial safety net against unexpected disasters. But what happens when you discover that your policy doesn’t cover the specific damage your home has sustained? Many homeowners mistakenly assume […]
- [Marine insurers risk being left behind in dash to AI :: Insurance Day](https://www.insuracarelife.com/blog/marine-insurers-risk-being-left-behind-in-dash-to-ai-insurance-day/): Marine insurance risks being left high and dry as artificial intelligence (AI) transforms the wider insurance scene, the International Union of Marine Insurance conference has been told. The remarks from Rahul Khanna, global head of marine risk consulting at Allianz, were delivered at the event’s data and digitalisation forum. Khanna, who chairs the forum, argued […]
- [Do I Need Travel Insurance for Europe? Understanding the Essentials](https://www.insuracarelife.com/blog/do-i-need-travel-insurance-for-europe/): Introduction to Travel Insurance Travel insurance is a type of insurance coverage designed to protect travelers against unexpected events that may occur before or during their trips. It serves as a financial safeguard, covering various risks that can lead to significant expenses, which is especially crucial when traveling to Europe. This region, known for its […]
- [Global marine premiums hit all-time high :: Insurance Day](https://www.insuracarelife.com/blog/global-marine-premiums-hit-all-time-high-insurance-day/): Global marine insurance premiums have hit an all-time high of almost $40bn, the International Union of Marine Insurance (Iumi) conference has been told. The total top line for the niche increased 1.5% in 2024 to reach $39.92bn, according to a presentation given by the organisation’s in-house statistician, Veith Huesmann, at the event in Singapore on September 8. […]
- [Great West Casualty challenges $1.99 million trucking judgment in federal court](https://www.insuracarelife.com/blog/great-west-casualty-challenges-1-99-million-trucking-judgment-in-federal-court/): But there’s another layer. Hudson Insurance Company, according to the complaint, was providing commercial auto coverage to O & I Transport at the time. Both Cummings and Ringwood Brothers, as driver and lessor, were considered “insureds” under Hudson’s policy for this accident, according to Great West’s complaint. The complaint states Hudson paid Campbell $966,947.05 and […]
- [Appeals court revives Huffstetler asbestos claim against Continental Tires insurers](https://www.insuracarelife.com/blog/appeals-court-revives-huffstetler-asbestos-claim-against-continental-tires-insurers/): The Industrial Commission ultimately found that the common evidence presented in the bellwether cases was insufficient to establish that employees had been exposed to asbestos in a manner likely to cause asbestosis or related conditions. This finding was affirmed by the Court of Appeals in a previous decision, Hinson v. Continental Tires the Americas. Following […]
- [Know How much is Flood Insurance in North Carolina?](https://www.insuracarelife.com/blog/flood-insurance-in-north-carolina/): What is Flood Insurance? Flood insurance is a specialized form of coverage that protects property owners from financial losses caused by flooding. Unlike standard homeowners’ insurance, which typically does not cover flood-related damages, flood insurance is specifically designed to address the unique risks associated with rising water levels, storm surges, and other flood-related disasters. In […]
- [Nautilus Insurance moves to block coverage in Hawai'i business lawsuit](https://www.insuracarelife.com/blog/nautilus-insurance-moves-to-block-coverage-in-hawaii-business-lawsuit/): Here’s what’s going on. C&C Farmlands, a Hawai‘i limited liability company, is facing a lawsuit from WKK LLC, one of its three equal members. WKK alleges that C&C and its other members – CDK Farms and Malako Farms – sold reserved lots, specifically Lot 99, without the unanimous written consent required by the Partner Lots […]
- [Oregon court clarifies workers' compensation liability in staffing agency fatality](https://www.insuracarelife.com/blog/oregon-court-clarifies-workers-compensation-liability-in-staffing-agency-fatality/): After the accident, Zeigler’s spouse filed a workers’ compensation claim. ESSG, Atlas, and BRF each denied responsibility, and the matter was appealed to the Workers’ Compensation Board. The board, following a three-day hearing before an administrative law judge, found that ESSG was the responsible employer. The board based its decision on the finding that ESSG, […]
- [How to Calculate Insurance Rate Per $1000 in California](https://www.insuracarelife.com/blog/calculate-insurance-rate/): Introduction to Insurance Rates Insurance rates represent the cost of obtaining insurance coverage, and they can significantly influence an individual’s financial planning and risk management strategies. Understanding insurance rates is essential not only for policyholders but also for potential buyers who wish to compare offerings and make informed decisions. Insurance companies calculate these rates based […]
- [Great American seeks court order to split Real Water insurance payout](https://www.insuracarelife.com/blog/great-american-seeks-court-order-to-split-real-water-insurance-payout/): The complaint lists judgments entered in favor of Richard Belsky (Gallagher, et al. v. Affinitylifestiles.com, Inc. d/b/a Real Water, et al., Case No. A-21-834485-B), Miriam Brody (Hunwardsen, et al. v. Affinitylifestiles.com, Inc. d/b/a Real Water, et al., Case No. A-21-831543-B), Lisa King (King v. Real Water, Inc., et al., Case No. A-21-833-630-B), Andria Bordenave (Bordenave […]
- [Climate change made Iberian wildfires 40 times more likely says new report](https://www.insuracarelife.com/blog/climate-change-made-iberian-wildfires-40-times-more-likely-says-new-report/): Over a fortnight, fires in northern Portugal and north-west Spain tore through forests and protected areas, forcing mass evacuations and charring landscapes from Galicia to Castile and León. By late August, burnt area across Spain and Portugal had reached roughly 640,000 hectares – about four times the size of Greater London and close to 1% […]
- [The Essential Small Business Insurance Checklist for Owners in Ohio](https://www.insuracarelife.com/blog/small-business-insurance/): Introduction to Small Business Insurance Small business insurance plays a vital role in safeguarding the interests of entrepreneurs in Ohio. As the backbone of the local economy, small businesses contribute significantly to job creation and innovation. However, they also face numerous risks that could jeopardize their operations and financial security. This is where small business […]
- [Insurers demand court void marine policy after California yacht crash](https://www.insuracarelife.com/blog/insurers-demand-court-void-marine-policy-after-california-yacht-crash/): Here’s what’s at stake: The insurers say Maverick Investments, LLC did not comply with several warranties that were required by the insurance contract. The main issue centers on the fire extinguisher warranty. The policy required all fire extinguishing equipment on the MAVERICK to be properly installed, maintained, tagged, and certified annually or in accordance with […]
- [Where the opportunities are: An agent's guide to the US insurance landscape](https://www.insuracarelife.com/blog/where-the-opportunities-are-an-agents-guide-to-the-us-insurance-landscape/): 
 
 Florida, with nearly 370,000 agents serving a population of 23.4 million, is by far the most crowded market in the country. That’s no surprise – hurricanes, floods, and an aging population drive demand across homeowners, health, and life, representing an interesting opportunity for agents willing to mix personal and commercial lines. Doing so […]
- [Understanding the Need for Both Commercial and Personal Auto Insurance in Needham](https://www.insuracarelife.com/blog/commercial-personal-auto-insurance/): Introduction to Auto Insurance Types Auto insurance is an essential component for individuals and businesses alike, providing financial protection against a wide array of risks associated with vehicle ownership and operation. In Needham, understanding the importance of both commercial and personal auto insurance is crucial for compliance and risk management. Each type of insurance serves […]
- [New York pushes for insurer accountability in multifamily housing coverage reporting](https://www.insuracarelife.com/blog/new-york-pushes-for-insurer-accountability-in-multifamily-housing-coverage-reporting/): The report would include aggregated statistics on premium levels and changes, average and median premiums per unit and square foot, and premiums as a share of operating expenses. It would also cover coverage availability, non-renewal and declination counts, the share of policies placed in the excess-line market, and use of the New York property insurance […]
- [Marsh expands Nimbus facility | Insurance Business America](https://www.insuracarelife.com/blog/marsh-expands-nimbus-facility-insurance-business-america/): Jim Dunn, head of US Construction, Marsh, said: “Data center construction in the US is experiencing unprecedented growth, driven by the rapid adoption of cloud computing and digital transformation initiatives. Over the past five years, the sector has achieved a compound annual growth rate of 12%, reflecting the increasing demand for secure, scalable infrastructure. Marsh’s […]
- [Pet Insurance vs. Vet Bills: What’s More Affordable in the Long Run?](https://www.insuracarelife.com/blog/pet-insurance-vs-vet-bills/): Introduction to Pet Insurance Pet insurance is a financial product designed to help pet owners manage the costs associated with veterinary care. It operates on a reimbursement model, where pet owners pay a premium, and in return, they receive compensation for a portion of their veterinary expenses, depending on the coverage plan selected. This safeguarding […]
- [Alarm raised as private capital floods into insurance](https://www.insuracarelife.com/blog/alarm-raised-as-private-capital-floods-into-insurance/): On Wall Street, few propositions are as stark as this: you earn a floating coupon so long as a defined disaster does not strike; if it does, some of your principal is used to pay claims. That is the simple, disquieting bargain behind catastrophe bonds and reinsurance sidecars – insurance-linked investments that surged after a […]
- [What is business owners policy insurance: What It Is and How to Obtain It?](https://www.insuracarelife.com/blog/business-owners-policy-insurance/): Introduction to Business Owners Policy Insurance Business owners’ policy (BOP) insurance is a comprehensive insurance solution designed primarily for small to medium-sized businesses. This policy serves as an all-in-one package that combines essential types of insurance coverage, specifically general liability insurance and property insurance. By merging these critical insurance components, BOP provides business owners with […]
- [Commercial Property Insurance: What’s Covered and What’s Not](https://www.insuracarelife.com/blog/commercial-property-insurance-cover/): Introduction to Commercial Property Insurance Commercial property insurance is a vital component of risk management for businesses, designed to protect physical assets from unforeseen events such as natural disasters, theft, and vandalism. This type of insurance serves as a safety net, ensuring that businesses can recover and continue operations after suffering property loss or damage. […]
- [Allstate pursues $305,000 insurance fraud claims in New York lawsuit](https://www.insuracarelife.com/blog/allstate-pursues-305000-insurance-fraud-claims-in-new-york-lawsuit/): According to the complaint, A to Z Supply Services Inc., managed and controlled by Pogrebinsky, allegedly worked with medical clinics in the New York metropolitan area, including Kings and Queens counties. Allstate alleges that these clinics prescribed large amounts of nearly identical durable medical equipment and orthotic devices –  such as cervical pillows, traction units, […]
- [Selective Insurance sues Endurance over design liability defense dispute](https://www.insuracarelife.com/blog/selective-insurance-sues-endurance-over-design-liability-defense-dispute/): Here’s what’s at stake. On Nov. 1, 2021, Maximilian Gray-Barquero died after jumping from the upper level of the Redmond Parking Garage at Rowan University. According to the complaint, the estate of Gray-Barquero alleges that Desman, along with other parties, failed to properly design, construct, install, maintain, own, operate, control, inspect, supervise, or otherwise discharge […]
- [Conflict is reshaping global shipping routes and increasing marine insurance risks](https://www.insuracarelife.com/blog/conflict-is-reshaping-global-shipping-routes-and-increasing-marine-insurance-risks/): Shipping journeys can be nearly twice as long This rerouting is a direct response to the heightened risk of attacks by Yemen’s Houthi rebels on merchant vessels. Major shipping lines – including Maersk and Hapag-Lloyd – have suspended Red Sea transits, opting for the longer and more expensive Cape route. The logistical impact is substantial: […]
- [What is Term Life Insurance? Plans, Benefits, Process, and Best Companies in the USA](https://www.insuracarelife.com/blog/what-is-term-life-insurance-plans/): Life is unpredictable. While we hope for the best, financial protection for our loved ones is a necessity. This is where term life insurance comes in. It’s a simple, cost-effective solution that provides financial security to your family in case of your untimely death. In this guide, we’ll explore what term life insurance is, how […]
- [Starr Indemnity demands payment from EWS Group in insurance dispute](https://www.insuracarelife.com/blog/starr-indemnity-demands-payment-from-ews-group-in-insurance-dispute/): The complaint, entered Aug. 26, in the United States District Court for the Southern District of Florida, Fort Lauderdale Division (Case No. 0:25-cv-61716-AHS), details a dispute involving three insurance policies: a general liability policy issued by Starr Surplus Lines Insurance Company (policy number 1000067031221, covering July 2, 2022, to July 2, 2023) and two commercial […]
- [Berkshire Hathaway challenges hotel claim in Tennessee insurance dispute](https://www.insuracarelife.com/blog/berkshire-hathaway-challenges-hotel-claim-in-tennessee-insurance-dispute/): The complaint details a timeline of events, referencing reports from independent adjusters and communications between the parties. On March 1, 2024, independent adjuster Steve Bluemel inspected the property and reported to Berkshire Hathaway that there was mold growth in several rooms and water in the premises. Bluemel advised on March 4, 2024, that 7 Star […]
- [Home Insurance USA: Complete Guide on Benefits, Types, Plans & Application Process](https://www.insuracarelife.com/blog/home-insurance-usa/): Owning a home is one of life’s most significant investments. Protecting it against unexpected events like fire, theft, or natural disasters is essential. Home insurance, also known as homeowners insurance, safeguards your property, belongings, and liability. This complete guide covers everything you need to know about home insurance in the USA, including benefits, uses, types […]
- [Colorado moves to end insurer tax breaks for home offices](https://www.insuracarelife.com/blog/colorado-moves-to-end-insurer-tax-breaks-for-home-offices/): The tax break was originally designed to encourage insurers to maintain a substantial workforce presence in Colorado. According to the legislative declaration, and based on evaluations by the Office of the State Auditor, the General Assembly finds that, even after criteria were amended in House Bill 21-1312, insurance companies continued to qualify for the reduced […]
- [Meadowview sues Federal Insurance over $16m condo water damage](https://www.insuracarelife.com/blog/meadowview-sues-federal-insurance-over-16m-condo-water-damage/): Federal Insurance Company, after conducting its own investigation, denied the claim. The insurer cited exclusions in the policy for “faulty, inadequate, or defective construction or maintenance,” as well as a “neglect” exclusion. Federal argued that the “neglect” exclusion applies when an insured fails to use reasonable means to save and preserve property from further damage […]
- [Travelers sues Hanover in federal court over slip-and-fall claim](https://www.insuracarelife.com/blog/travelers-sues-hanover-in-federal-court-over-slip-and-fall-claim/): On August 22, 2025, Travelers Property Casualty Company of America filed a lawsuit against The Hanover Insurance Company in the US District Court for the District of Massachusetts. The dispute centers on a slip-and-fall incident that allegedly took place on January 25, 2022, at 27 Christie Way in Marlborough, Massachusetts – a property known as […]
- [Dollar Tree challenges Cincinnati Insurance over denied helium injury claim](https://www.insuracarelife.com/blog/dollar-tree-challenges-cincinnati-insurance-over-denied-helium-injury-claim/): According to the complaint, Dollar Tree entered into a Product Supply Agreement with Zephyr Solutions LLC on December 20, 2019. Zephyr agreed to supply helium products and high-pressure cylinders for use in Dollar Tree stores. The agreement required Zephyr to procure insurance, including commercial general liability coverage, naming Dollar Tree as an additional insured. Zephyr […]
- [Zurich, Evanston face lawsuit as clients claim denied coverage](https://www.insuracarelife.com/blog/zurich-evanston-face-lawsuit-as-clients-claim-denied-coverage/): The Zurich policy at issue is a “Zurich Select Plus” liability insurance policy, including a Management and Company Liability Coverage Part, issued to Garrison Management, Policy No. MPL 7647590-00, with a policy period of August 7, 2022, to August 7, 2023, and a liability limit of $1,000,000. The policy obligates Zurich to pay “Loss” on […]
- [USLI demands Travelers cover $900k defense costs in new lawsuit](https://www.insuracarelife.com/blog/usli-demands-travelers-cover-900k-defense-costs-in-new-lawsuit/): The USLI umbrella policy states: “If you are legally liable to pay damages for a loss to which this insurance applies, we will pay your net loss in excess of the retained limit. … We are not, however, obligated to defend any claim or suit which is covered in whole or in part by other […]
- [Are Helmets for Baby Covered by Insurance in Florida? A Comprehensive Guide](https://www.insuracarelife.com/blog/are-helmets-for-baby-covered-by-insurance-in-florida/): Introduction to Baby Helmets Baby helmets, often referred to as cranial orthoses, serve a crucial role in the treatment of certain cranial deformities, notably plagiocephaly and brachycephaly. Plagiocephaly is characterized by an asymmetrical head shape, often resulting from a constant position during sleep, while brachycephaly involves a broader, flatter appearance of the back of the […]
- [Examining the trends impacting self-funded healthcare plans](https://www.insuracarelife.com/blog/examining-the-trends-impacting-self-funded-healthcare-plans/): [00:00:00] Paul Lucas: Hello everyone and welcome to the latest edition of Insurance Business TV as we delve into the A&H market with QBE North America. Now the company has released its 2025 Accident and Health Market Report which offers insights on current trends affecting self-funded healthcare plans. Key topics include medical stop-loss claims trends, […]
- [Where to Get Liability Insurance for Small Businesses in California 2025](https://www.insuracarelife.com/blog/liability-insurance-for-small-businesses-in-california/): Understanding Liability Insurance Liability insurance serves as a critical safety net for small businesses in California, protecting them from potential financial losses arising from claims of negligence, injury, or damage. In the context of running a small business, understanding the significance of liability insurance is paramount, as it can safeguard your enterprise against unforeseen circumstances […]
- [Kinsale Insurance pushes Colony to cover $400k construction lawsuit costs](https://www.insuracarelife.com/blog/kinsale-insurance-pushes-colony-to-cover-400k-construction-lawsuit-costs/): Here’s what happened, according to the complaint. On or about October 17, 2018, Dennis and Kimberly Stover entered into a contract with Phoenix Pools & Spas, Inc. for the construction of a new zero edge pool, spa, outdoor structure including a bathroom, retaining wall, pool equipment room, surge tank, and new landscaping at their home […]
- [Insurers move to block coverage in Dude Products class action](https://www.insuracarelife.com/blog/insurers-move-to-block-coverage-in-dude-products-class-action/): Dude Products, a company incorporated in Delaware with its principal place of business in Chicago, is at the center of the dispute. The class action, filed March 20, 2025, in the Southern District of California, claims that Dude Products labeled its products, promoted them on its website, and advertised through third-party retailers as being “Assembled […]
- [Progressive challenges duty to cover fatal Florida trucking crash](https://www.insuracarelife.com/blog/progressive-challenges-duty-to-cover-fatal-florida-trucking-crash/): Here’s what’s in the complaint: Progressive is providing a defense for Lee Timber Company, Inc. after a crash that happened on or about February 19, 2024. According to the filing, Ramon Camejo, described as an employee or agent of DTA Trucking, LLC, was driving a 2009 Freightliner tractor owned, leased, or controlled by DTA. He […]
- [Solving the legal puzzle for technology, innovation and insurance :: Insurance Day](https://www.insuracarelife.com/blog/solving-the-legal-puzzle-for-technology-innovation-and-insurance-insurance-day/): We live in an era in which many aspects of life are increasingly heavily technology-led and this will only increase exponentially, given the pace of development of artificial intelligence (AI) and other advances. The insurance industry is not immune to this and technological developments influence every aspect of it, from industry services to actuarial forecasting, […]
- [Kinsale Insurance challenges duty to cover oilfield injury lawsuit](https://www.insuracarelife.com/blog/kinsale-insurance-challenges-duty-to-cover-oilfield-injury-lawsuit/): Now, Kinsale is asking the federal court to step in. The insurer says its policies with TCS – an environmental combined liability policy and an excess liability policy – don’t cover the accident, no matter how you slice it. Kinsale points to two key policy exclusions. First, there’s the employer’s liability exclusion, which says there’s […]
- [XL Specialty Insurance pursues shipping giants for $1.6 million pharma cargo loss](https://www.insuracarelife.com/blog/xl-specialty-insurance-pursues-shipping-giants-for-1-6-million-pharma-cargo-loss/): According to the complaint, the cargo was loaded in good order and condition at Nhava Sheva and Hyderabad, India, and was intended for delivery in Savannah, Georgia, and Memphis, Tennessee. On or about August 28, 2024, the complaint states, numerous containers and their cargoes fell overboard from the M/V MSC ANTONIA and were lost at […]
- [Kinsale challenges wrongful death coverage after fatal shooting claim](https://www.insuracarelife.com/blog/kinsale-challenges-wrongful-death-coverage-after-fatal-shooting-claim/): The estate’s wrongful death lawsuit was filed in the Eleventh District Court, McKinley County, State of New Mexico, on January 19, 2024, under the caption Cooley v. Palacios et al., Case No. D-1113-CV-2024-00034. Tribe Security Service is insured under Commercial General Liability Policy No. 0100160668-2, issued by Kinsale Insurance Company, with effective dates from August […]
- [What is Short-Term Disability Insurance Used For and How Does It Work?](https://www.insuracarelife.com/blog/what-is-short-term-disability-insurance/): Short-term disability insurance (STDI) is a type of insurance designed to replace a portion of an individual’s income if they are temporarily unable to work due to an illness, injury, or other medical condition. While no one expects to be sick or injured, the reality is that unexpected medical issues can arise, leaving people unable […]
- [Marine insurers must take on modern slavery in maritime industries, Iumi warns :: Insurance Day](https://www.insuracarelife.com/blog/marine-insurers-must-take-on-modern-slavery-in-maritime-industries-iumi-warns-insurance-day/): Marine insurers should take on modern slavery and forced labour where it is evident in the maritime and logistics industries, the sector’s leading trade association has argued. The call comes as the International Union of Marine Insurance prepares for its annual conference in Singapore next month, which begins on September 6. The term “modern slavery” […]
- [Great American Alliance sues Great Divide in Hawaii insurance dispute](https://www.insuracarelife.com/blog/great-american-alliance-sues-great-divide-in-hawaii-insurance-dispute/): Filed on August 14, 2025, in the US District Court for the District of Hawaii, the case is all about who’s on the hook when a policyholder faces a lawsuit and multiple insurance policies are in play. Great American, which provides umbrella and excess coverage, claims that Great Divide, the company responsible for the primary […]
- [HDI Global Insurance Company pursues UPS over $250,000 cargo claim](https://www.insuracarelife.com/blog/hdi-global-insurance-company-pursues-ups-over-250000-cargo-claim/): On August 14, 2025, HDI Global Insurance Company filed a lawsuit against UPS Supply Chain Solutions, Inc. in the United States District Court for the Southern District of Texas. The case centers on a shipment of medical sterilization products – including equipment, systems, and related software – that was transported by air from Mira Loma, […]
- [Second Home vs. Rental Property Insurance: What’s the Difference and Which Do You Need?](https://www.insuracarelife.com/blog/second-home-vs-rental-property-insurance/): Owning a second property can be an exciting milestone—whether it’s a cozy cabin for weekend getaways, a beach house for summer vacations, or an investment home you plan to rent out. But with that investment comes a critical question many property owners overlook: Does your property need second home insurance, rental property insurance, or both? […]
- [Motorcycle Insurance vs Car Insurance: What You Need to Know](https://www.insuracarelife.com/blog/motorcycle-insurance-vs-car-insurance/): Introduction to Motorcycle and Car Insurance Vehicle insurance serves as a critical safeguard for owners of both motorcycles and cars, protecting their financial investment while providing liability coverage in case of accidents. As the rates of motorcycle ownership continue to rise globally, understanding the nuances of motorcycle insurance in comparison to car insurance becomes increasingly […]
- [Chinese firm's swoop on insurer for CIA agents under the spotlight](https://www.insuracarelife.com/blog/chinese-firms-swoop-on-insurer-for-cia-agents-under-the-spotlight/): China’s global investment strategy and industrial ambitions The Wright USA acquisition is part of a broader pattern of Chinese investment in developed economies. AidData, a research lab at William & Mary, has documented that since 2000, Chinese state-backed entities have invested approximately US$2.1 trillion overseas, with a significant share directed at developed countries. Brad Parks, […]
- [USLI faces lawsuit as non-profit claims denied workplace coverage](https://www.insuracarelife.com/blog/usli-faces-lawsuit-as-non-profit-claims-denied-workplace-coverage/): According to the legal filing, the LINK promptly notified USLI and requested coverage under the policy’s Employment Practices Coverage Part (EPCP). The policy, as described in the suit, is designed to protect organizations and their leaders from claims involving wrongful acts such as discrimination, harassment, retaliation, and wrongful termination. The policy’s language, quoted in the […]
- [Court rules Parkland shooting triggers single insurance claim](https://www.insuracarelife.com/blog/court-rules-parkland-shooting-triggers-single-insurance-claim/): Evanston argued that each gunshot causing injury – or each individual victim – should be treated as a separate “occurrence” under the policy. That interpretation would have required the sheriff’s office to pay a $500,000 self-insured retention (SIR) for each occurrence before Evanston’s coverage would be triggered, potentially leaving the sheriff’s office responsible for millions […]
- [New York to launch real-time auto insurance verification system](https://www.insuracarelife.com/blog/new-york-to-launch-real-time-auto-insurance-verification-system/): The law amends New York’s vehicle and traffic law to establish a system where insurers provide the Department of Motor Vehicles with electronic access to information about policy issuance, cancellation, termination, and non-renewal. The system is designed to allow the department and law enforcement to verify a vehicle’s insurance status online, with the aim of identifying uninsured vehicles. Insurers are […]
- [Allstate rejects $332k appraisal award after accepting hail damage claim process](https://www.insuracarelife.com/blog/allstate-rejects-332k-appraisal-award-after-accepting-hail-damage-claim-process/): Their policy includes endorsement AVP313, titled “Metal Roof Surfaces Cosmetic Damage Exclusion Endorsement,” which excludes “Cosmetic damage caused by hail to the surface of a metal roof, including but not limited to, indentations, dents, distortions, scratches, or marks that change the appearance of a metal roof.” Because the Wiegels’ roofing system was and is concrete tile, […]
- [Allianz lifts profit outlook as financials surge](https://www.insuracarelife.com/blog/allianz-lifts-profit-outlook-as-financials-surge/): At group level, operating profit rose 12.6% to €4.4 billion, and shareholders’ core net income increased 12.7% to €2.9 billion. Internal growth reached 5.2% as total business volume held steady at €42.8 billion. For the first nine months of 2025, Allianz reported €13.1 billion in operating profit, up 10.4%. Total business volume reached €141.2 billion, […]
- [Trucordia expands national footprint with multiple US acquisitions](https://www.insuracarelife.com/blog/trucordia-expands-national-footprint-with-multiple-us-acquisitions/): In June, Trucordia has added Vegas Valley Benefit Plans, a Las Vegas-based provider of employee benefits and insurance solutions. The agency offers medical, dental, vision, life and disability insurance, along with retirement planning services for businesses and individuals. In the Northwest, the acquisition of Fuhriman Insurance in Boise, Idaho, expanded Trucordia’s capabilities in auto, home, commercial, life, […]
- [The Allstate Foundation commits $5 million to address the immediate needs of relationship abuse survivors](https://www.insuracarelife.com/blog/the-allstate-foundation-commits-5-million-to-address-the-immediate-needs-of-relationship-abuse-survivors/): Key takeaways: The National Domestic Violence Hotline and FreeFrom will each receive an additional $2.5 million from The Allstate Foundation. This is the largest single grant from a corporate funder in FreeFrom’s history. The Allstate Foundation is committed to reducing the prevalence of relationship abuse and is one of the leading corporate funders of this […]
- [Nebraska Supreme Court rules on aircraft insurance dispute](https://www.insuracarelife.com/blog/nebraska-supreme-court-rules-on-aircraft-insurance-dispute/): DSA’s policy with USSIC covered “direct physical loss of or damage to [the] aircraft caused by an accident while the aircraft [was] not in motion,” subject to exclusions. One exclusion denied coverage for loss or damage resulting from embezzlement, conversion, or secretion by anyone to whom DSA had relinquished possession. The policy defined “accident” as […]
- [From hard hats to high stakes: How risk consultant bridges the gap between building and insurance](https://www.insuracarelife.com/blog/from-hard-hats-to-high-stakes-how-risk-consultant-bridges-the-gap-between-building-and-insurance/): A career pivot: from job sites to consulting Jacquel’s entry into insurance was unplanned. “I was a safety manager in the construction field back in the early 2000s,” he recalled. “Then around 2007, 2008, when the economic crash happened, the construction industry, especially where I was working, just dried up. When we finished our projects, […]
- [Allstate helps millions navigate Thanksgiving travel with new safety and congestion insights](https://www.insuracarelife.com/blog/allstate-helps-millions-navigate-thanksgiving-travel-with-new-safety-and-congestion-insights/): Key takeaways: Allstate Drivewise® reveals risky driving spikes during Thanksgiving and helps drivers avoid them. Phone use, speeding and hard braking jump 10% or more. Drivewise encourages safer habits with real-time feedback. Allstate Roadside prepares travelers for congestion and breakdowns. Roadside service events surge Monday before Thanksgiving. Allstate Roadside offers fast, flexible help through the […]
- [Ambac Financial rebrands to Octave Specialty](https://www.insuracarelife.com/blog/ambac-financial-rebrands-to-octave-specialty/): The timing aligns with a strong US specialty insurance market. The sector is projected to reach approximately $29 billion in North America in 2025, driven by demand for niche coverages including cyber, environmental liability, marine/aviation, and political risk. Specialty lines are outpacing standard property and casualty growth as clients face more complex exposures and seek tailored risk […]
- [FM partners with LPGA star Lottie Woad as brand ambassador](https://www.insuracarelife.com/blog/fm-partners-with-lpga-star-lottie-woad-as-brand-ambassador/): 
 Zurich Insurance: Title sponsor of the Zurich Classic of New Orleans on the PGA TOUR, with a longstanding commitment to supporting golf and related charitable initiatives. 
 AIG (American International Group): Title sponsor of the AIG Women’s Open, one of the five major championships in women’s golf, and a partner of the Ladies Professional […]
- [Risk management reflects changing industry](https://www.insuracarelife.com/blog/risk-management-reflects-changing-industry/): The cornerstone of risk management   While technology often grabs the spotlight, it is organisational culture that ultimately drives meaningful and lasting change in risk management. Across award submissions, Garbett observed that culture emerges as the crucial foundation—one that is both the hardest to transform and the most vital to long-term success. Shaping a culture of proactive risk awareness, openness, and continuous improvement […]
- [Washington court rules on COVID-19 comp for flight attendants](https://www.insuracarelife.com/blog/washington-court-rules-on-covid-19-comp-for-flight-attendants/): Lisa Azorit-Wortham, a flight attendant for Alaska Airlines, tested positive for COVID-19 in early April 2020 after working eight flights – including four transcontinental trips – between March 16 and March 27, 2020. During this period, neither crew nor passengers were required to wear masks, and Azorit-Wortham testified that she had minimal contact with others […]
- [Best Professional Liability Insurance Providers | 5-Star Professional Liability](https://www.insuracarelife.com/blog/best-professional-liability-insurance-providers-5-star-professional-liability/): Jump to winners | Jump to methodology Cutting through the noise Despite being the biggest professional liability market globally, the soft market that’s endured has made it more challenging for the best providers in the United States to stand out, as less proficient competitors have tried to capitalize on the conditions. Insurance Business America consulted and surveyed […]
- [What is the best dental insurance with no waiting period in Ohio?](https://www.insuracarelife.com/blog/what-is-the-best-dental-insurance-with-no-waiting-period-in-ohio/): Finding good dental insurance can be tricky, especially if you want one that kicks in right away — no waiting period. In Ohio, you have several options, but what does “no waiting period” really mean? Which plans truly start covering you from day one, and what trade‑offs should you expect? In this post I’ll walk […]
- [Building the future: Why emerging construction methods are facing insurance hurdles](https://www.insuracarelife.com/blog/building-the-future-why-emerging-construction-methods-are-facing-insurance-hurdles/): The futuristic horizon: Robotics, 3D-printed homes, and the next-generation risk pool Looking further out, Bauer delves into what he calls the “future, future”: AI‐driven tools, robotics and 3D-printed homes. Robotics, as an example, is starting to show up in modular factory projects, but in the pilot or beta stages, according to Bauer. “The main barrier […]
- [Allstate blasts Texas clinics, claims $5.2 million auto fraud scheme](https://www.insuracarelife.com/blog/allstate-blasts-texas-clinics-claims-5-2-million-auto-fraud-scheme/): The lawsuit, filed in the US District Court for the Northern District of Texas, names Foundation Physicians Group, Inc., Prime Imaging Partners, LLC, Complete Pain Solutions, PLLC, Memorial MRI & Diagnostic, PLLC, and several doctors, nurse practitioners, and business owners, including Thomas Hellman, Jaime Hellman, Nathan Meltzer, Bradley Eames, D.O., Ralph Stein, D.O., Anthony Eric Gioia, […]
- [Allstate announces preferred dividends payable Oct. 15, 2025](https://www.insuracarelife.com/blog/allstate-announces-preferred-dividends-payable-oct-15-2025/): NORTHBROOK, Ill., Sept. 10, 2025 – The Allstate Corporation (NYSE: ALL) declared approximately $29.3 million in aggregate dividends on three series of preferred stock for the dividend period from July 15, 2025, through Oct. 14, 2025. All the preferred dividends are payable in cash on Oct. 15, 2025, to stockholders of record at the close […]
- [Allstate and AFCA announce 2025 Good Works Team](https://www.insuracarelife.com/blog/allstate-and-afca-announce-2025-good-works-team/): NORTHBROOK, Ill., September 16, 2025 — Allstate and the American Football Coaches Association (AFCA) today announced the 2025 Allstate AFCA Good Works Team®, honoring 22 college football players and one head coach for their extraordinary commitment to community service. This year’s team was selected from a record-tying 195 nominees, submitted by college sports information directors […]
- [Allstate announces availability of third quarter 2025 results](https://www.insuracarelife.com/blog/allstate-announces-availability-of-third-quarter-2025-results/): NORTHBROOK, Ill., Nov. 5, 2025 – The Allstate Corporation (NYSE: ALL) has filed a Form 8-K reporting its financial results for the quarter ended Sept. 30, 2025. You can find the Form 8-K, including the earnings release and investor supplement, on the company’s page at sec.gov. These materials are also now available at www.allstateinvestors.com, including […]
- [August 2025 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/august-2025-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., September 18, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of August of $213 million or $168 million, after-tax. Catastrophe losses for  August include 10 events with approximately 70% of the losses related to three wind and hail events. Total catastrophe losses for July and August were […]
- [How to get commercial auto insurance in indiana​? Steps](https://www.insuracarelife.com/blog/how-to-get-commercial-auto-insurance-in-indiana/): If you’re running a business in Indiana and use vehicles for work-related purposes, getting the right commercial auto insurance is essential. Commercial auto insurance is designed to cover vehicles used for business activities, whether it’s transporting goods, carrying passengers, or running errands for the company. Unlike personal auto insurance, which typically excludes coverage for business use, commercial […]
- [Do I Need Both Commercial and Personal Auto Insurance in Mexico?](https://www.insuracarelife.com/blog/do-i-need-both-commercial-and-personal-auto-insurance-in-mexico/): If you’re planning to drive in Mexico, you may be wondering whether you need commercial and personal auto insurance. The answer is more nuanced than simply “yes” or “no”—it depends on a variety of factors. In this blog, we’ll break down the reasons why you might need both types of insurance, what they cover, and […]
- [The Allstate Foundation convened the country’s top young changemakers for National Youth Service Summit](https://www.insuracarelife.com/blog/the-allstate-foundation-convened-the-countrys-top-young-changemakers-for-national-youth-service-summit/): NORTHBROOK, Ill., Sept. 29, 2025 – Sixty-five of the country’s most inspiring youth leaders assembled in Chicago this past weekend for the second annual Allstate Foundation National Youth Service Summit. This transformative event, widely recognized as the premier development opportunity of its kind, brought together young nonprofit founders, leaders and innovators (ages 18-22) for four […]
- [Allstate Announces Updates to Leadership Team](https://www.insuracarelife.com/blog/allstate-announces-updates-to-leadership-team/): NORTHBROOK, Ill., Oct. 1, 2025 — The Allstate Corporation today announced changes to its senior leadership team, effective Oct. 1, 2025. Mario Rizzo will become Chief Operating Officer, responsible for the Property-Liability and Protection Services businesses. Rizzo was previously President, Property-Liability. Jess Merten, currently Chief Financial Officer, will become President, Property-Liability. He will report to […]
- [The Big Ten and Allstate Unveil New Partnership to Elevate Women’s Sports](https://www.insuracarelife.com/blog/the-big-ten-and-allstate-unveil-new-partnership-to-elevate-womens-sports/): CHICAGO, Ill., Oct. 3, 2025 – Allstate, the Big Ten Conference and Big Ten Network (BTN) today announced the creation of the Allstate Big Ten Women’s Championship Series, a new competition designed to spotlight and celebrate excellence in women’s athletics across the conference. The championship series is part of a first-of-its kind, multi-year partnership that […]
- [Huge Jeep recall as multiple cases of cars bursting into flames identified](https://www.insuracarelife.com/blog/huge-jeep-recall-as-multiple-cases-of-cars-bursting-into-flames-identified/): 
 
 
 Audi (Volkswagen Group) 
 
 
 Q5 PHEV, A7 PHEV, and similar 2021–2023 TFSI-e models 
 
 
 High-voltage battery overheating and thermal-runaway potential 
 
 
 Owners advised not to charge vehicles until remedy applied 
 
 
 Recall due to defective battery module or contamination issue 
 
 
 
 […]
- [Allstate to hold Q3 2025 earnings call Nov. 6](https://www.insuracarelife.com/blog/allstate-to-hold-q3-2025-earnings-call-nov-6/): NORTHBROOK, Ill., Oct. 6, 2025 – The Allstate Corporation (NYSE: ALL) will host a conference call and webcast at 9 a.m. ET on Thursday, Nov. 6, 2025, to discuss third-quarter 2025 financial results. Allstate plans to file its results via a Form 8-K with the Securities and Exchange Commission (SEC) after 4:15 p.m. ET on […]
- [General Liability Insurance for Small Businesses in Massachusetts: What You Need to Know](https://www.insuracarelife.com/blog/general-liability-insurance-for-small-businesses-in-massachusetts/): Starting and running a small business is exciting, but it also comes with a fair share of risks. Whether you’re a contractor, a retailer, or a service provider, protecting your business from unexpected events should be a top priority. This is where general liability insurance comes into play. But what exactly is it, and why […]
- [Insurance buyers see double-digit rate cuts](https://www.insuracarelife.com/blog/insurance-buyers-see-double-digit-rate-cuts/): Insurance buyers are currently benefiting from some of the most competitive market conditions in recent years, with double-digit rate reductions and abundant capacity across key lines such as property, cyber, and directors and officers (D&O) in major markets including the US, UK, continental Europe, Korea, Australia, and Latin America. However, industry experts caution that this […]
- [Allstate reveals America’s 10 riskiest roads for drivers this Halloween](https://www.insuracarelife.com/blog/allstate-reveals-americas-10-riskiest-roads-for-drivers-this-halloween/): Key takeaways  Halloween falls on a Friday this year, overlapping with hazardous weekend driving hours.  Allstate identified 10 of the riskiest road segments in major U.S. cities where speeding and hard braking peak between 11 a.m. and 5 p.m. on weekends.  Safe driving habits can reduce risk and even help drivers save money with Allstate’s […]
- [September 2025 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/september-2025-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., October 16, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of September of $161 million or $128 million, after-tax, from eight wind and hail events. Total catastrophe losses for the third quarter were $558 million or $441 million, after-tax. Allstate Protection policies in force are as follows: […]
- [Allstate issues new guidance to protect shoppers as identity scams surge ahead of the holidays](https://www.insuracarelife.com/blog/allstate-issues-new-guidance-to-protect-shoppers-as-identity-scams-surge-ahead-of-the-holidays/): Key takeaways: October kicks off identity theft season, with the highest volume of fraudulent credit and loan applications all year.  Fraud applications account for nearly 70% of all identity theft cases reported to AIP; new account scams drive the biggest financial losses, totaling more than $7.3 million. Allstate’s identity restoration specialists help victims recover their identity, […]
- [Allstate and the Aspen Institute focus on improving trust](https://www.insuracarelife.com/blog/allstate-and-the-aspen-institute-focus-on-improving-trust/): WASHINGTON, Oct. 28, 2025 – Today, Allstate and the Aspen Institute launched the Trust in Practice Awards to strengthen community relationships and build trust throughout America. Allstate has committed up to $5 million in grants for community organizations that support civic engagement, volunteering, and bridging differences with intergenerational participants.   Tom Wilson, Allstate Chair, President and CEO“The decline […]
- [Life Insurance for Seniors Over 60 in California: What You Need to Know](https://www.insuracarelife.com/blog/life-insurance-for-seniors-over-60-in-california/): As you enter your 60s, your financial priorities often shift — perhaps your children are grown, your mortgage is paid (or nearly so), and you may be living on a fixed income. But one question still remains: Do you need life insurance now? And if so, what kind should you get here in California? This […]
- [Iowa ruling clarifies workers' comp classification for skin injuries](https://www.insuracarelife.com/blog/iowa-ruling-clarifies-workers-comp-classification-for-skin-injuries/): The facts of the case are straightforward but significant. Mecene Laguerre was working at a JBS meat-packing facility in Ottumwa, Iowa, when he suffered a serious injury on the job. While performing duties as a “skinner,” Laguerre was accidentally struck by a coworker wielding a mechanized knife, resulting in a degloving injury to his right […]
- [When Does a Life Insurance Policy Typically Become Effective in California?](https://www.insuracarelife.com/blog/when-does-a-life-insurance-policy-typically-become-effective-in-california/): Life insurance is an essential form of financial protection that helps ensure your loved ones are financially secure in the event of your death. However, one of the most common questions asked by individuals looking to purchase life insurance is, “When does a life insurance policy become effective in California?” The answer to this question […]
- [What Happens When You Reject an Insurance Settlement Offer in Florida](https://www.insuracarelife.com/blog/what-happens-when-you-reject-an-insurance-settlement-offer-in-florida/): Understanding Insurance Settlement Offers An insurance settlement offer is a proposal made by an insurance company to provide a monetary compensation to a claimant in exchange for the release of any further claims related to a particular incident. Typically, these offers arise from various circumstances, including auto accidents, personal injury cases, or property damage claims. […]
- [GEICO faces claims it underpaid Ohio total loss settlements with hidden deductions](https://www.insuracarelife.com/blog/geico-faces-claims-it-underpaid-ohio-total-loss-settlements-with-hidden-deductions/): The policyholders argue this violates both their insurance contracts and Ohio regulations governing total loss settlements. Their policies promise to pay actual cash value, defined as “determined by the market value, age, and condition of the vehicle or property at the time the loss occurs less depreciation or betterment.” Betterment, the policies state, means “improvement […]
- [CITGO compels insurers to pay $54 million for Venezuela oil cargo loss](https://www.insuracarelife.com/blog/citgo-compels-insurers-to-pay-54-million-for-venezuela-oil-cargo-loss/): CITGO, anticipating potential risks, had secured a marine cargo insurance policy from a syndicate of major reinsurers, including several Lloyd’s syndicates. The policy, effective from June 2018 to June 2019, provided up to $100 million in coverage and specifically included the “Institute War Clauses (Cargo).” These clauses covered losses resulting from “war civil war revolution […]
- [Allstate launches lawsuit accusing podiatrists of orchestrating no-fault fraud scheme](https://www.insuracarelife.com/blog/allstate-launches-lawsuit-accusing-podiatrists-of-orchestrating-no-fault-fraud-scheme/): The lawsuit names Dr. Jeffrey I. Kriegel and Dr. William Michael Levine, along with their respective sole proprietorships and a series of unidentified “John Doe” defendants. Allstate alleges that, beginning in 2023, unlicensed individuals recruited Kriegel and Levine to serve as the nominal heads of podiatry practices that existed in name only. These practices, the […]
- [Tanger Properties takes ACE, Liberty Mutual to court over COVID-19 claims](https://www.insuracarelife.com/blog/tanger-properties-takes-ace-liberty-mutual-to-court-over-covid-19-claims/): After Tanger submitted its claims, both ACE and Liberty Mutual denied coverage. The insurers asserted that Tanger had not established any direct physical loss or damage to property and that the claimed losses were excluded under the policies. Tanger, in response, pointed to the language in its policies, which insured “against all risks of direct […]
- [Have we reached peak Berkshire Hathaway?](https://www.insuracarelife.com/blog/have-we-reached-peak-berkshire-hathaway/): The three pillars of Berkshire’s insurance arm GEICO GEICO, wholly owned by Berkshire since 1996, remains one of America’s largest personal-auto insurers. Writing primarily through direct online and phone channels, it generated an estimated $7.8 billion in underwriting profit in 2024, according to Berkshire’s latest annual report. That marks a turnaround from earlier years of […]
- [Ransom bans, AI threats, zero training: Cowbell calls for deeper cyber talks in 2026](https://www.insuracarelife.com/blog/ransom-bans-ai-threats-zero-training-cowbell-calls-for-deeper-cyber-talks-in-2026/): “Ransomware groups are becoming increasingly sophisticated, while employee error continues to be a major factor,” added Maley. “The rapid advancement of AI introduces new risks, and many businesses still underestimate the importance of both cyber risk management and cyber insurance. For example, one way to infiltrate systems is through phishing attacks. Before AI, it was […]
- [Exploring Alternatives to Mercury Insurance: Why InsuracareLife Could Be Your Next Best Choice](https://www.insuracarelife.com/blog/exploring-alternatives-to-mercury-insurance/): Mercury Insurance, officially known as Mercury General Corporation, is a prominent American insurance company headquartered in Brea, California. Founded in 1961 by George Joseph, the company was established with the vision of providing quality insurance products at affordable rates, coupled with exceptional customer service. Introduction to Mercury Insurance Founded in 1961 by George Joseph in […]
- [Affordable Full Coverage Car Insurance in Georgia: How to Find the Best Deals](https://www.insuracarelife.com/blog/affordable-full-coverage-car-insurance/): Car insurance is a necessity for every driver in Georgia, but finding affordable full coverage options can often feel overwhelming. Full coverage car insurance offers a comprehensive level of protection, covering not only your vehicle in case of an accident but also third-party damages, theft, and natural disasters. The key is to find a policy […]
- [State Farm faces lawsuit as homeowner alleges profit-driven claim denials](https://www.insuracarelife.com/blog/state-farm-faces-lawsuit-as-homeowner-alleges-profit-driven-claim-denials/): Koteiba Azzam, a homeowner in Sunland Park, N.M., has filed suit in the United States District Court for the District of New Mexico, alleging that State Farm Fire and Casualty Insurance Company systematically denied and underpaid his claim after water from a burst pipe caused extensive damage to his property on or about Jan. 24, […]
- [The Best Homeowners Insurance in Indiana for 2025-26](https://www.insuracarelife.com/blog/the-best-homeowners-insurance-in-indiana/): Introduction to Homeowners Insurance in Indiana Homeowners insurance is a vital component of financial planning and risk management for individuals who own a home. It primarily protects homeowners from potential losses due to various risks, including theft, fire, natural disasters, and liability for injuries occurring on the property. In Indiana, where the climate can range […]
- [Hartford and Capital Credit Union clash over $3 million in bankruptcy battle](https://www.insuracarelife.com/blog/hartford-and-capital-credit-union-clash-over-3-million-in-bankruptcy-battle/): The dispute centers on two contracts: the General Indemnity Agreement (GIA) and the Intercreditor Collateral Agreement (ICA). The GIA, signed in July 2020, assigned to Hartford all of Pro-Mark’s rights in or related to the bonds. In December 2021, Pro-Mark entered into two business loan agreements with Capital Credit Union, secured by most of Pro-Mark’s […]
- [Gary Semmer on building a stronger future](https://www.insuracarelife.com/blog/gary-semmer-on-building-a-stronger-future/): By January 2021, Semmer was tapped to help launch the AssuredPartners Construction Practice, alongside colleague Kyp Ross, AP surety president in the Cleveland area. “Four and a half years later, we’ve built the construction practice up with the help of Gregory Stephens, national construction practice leader to about 225 team members, with 35 to 40 […]
- [Aon unveils AI tool to spot supply chain weaknesses](https://www.insuracarelife.com/blog/aon-unveils-ai-tool-to-spot-supply-chain-weaknesses/): 
 AI-driven risk intelligence: Uses predictive analytics to monitor and forecast potential disruptions, providing early warnings and trend insights. 
 Global supply chain visibility: Maps exposures across more than 200 countries, highlighting supplier dependencies and regional bottlenecks. 
 Comprehensive risk assessment: Evaluates both supplier-specific and enterprise-wide vulnerabilities to inform proactive risk management. 
 Actionable, real-time […]
- [US insurance sector struck by $101 billion in weather disaster losses](https://www.insuracarelife.com/blog/us-insurance-sector-struck-by-101-billion-in-weather-disaster-losses/): Methodological rigor and conservative estimates The billion-dollar disaster dataset, now managed by Climate Central after a transition from NOAA’s National Centers for Environmental Information (NCEI), is built on a peer-reviewed methodology. The analysis draws from more than a dozen public and private sources, including FEMA, the USDA, the National Interagency Fire Center, and insurance industry […]
- [Baird sues Chubb over denied $5 million cyber fraud insurance claim](https://www.insuracarelife.com/blog/baird-sues-chubb-over-denied-5-million-cyber-fraud-insurance-claim/): After the loss, AIG paid its $2,500,000.00 policy limit under the Fraudulently-Induced Payment Coverage, acknowledging that Baird’s loss was covered. Chubb, however, denied coverage, asserting that White Lake “did not contract with Baird to provide goods and services,” and therefore was not a “Vendor Requestor” as required by the policy, and that there was no […]
- [Understanding the Impact of Accidents on Your Commercial Truck Insurance in Florida](https://www.insuracarelife.com/blog/commercial-truck-insurance-in-florida/): Introduction: The Importance of Commercial Truck Insurance For businesses operating in Florida, commercial truck insurance serves as a critical safeguard against numerous potential risks. With the state’s bustling economy and extensive transportation networks, these services are vital for trade and commerce. The unpredictability of road conditions and traffic makes it essential for businesses to have […]
- [Liberty Mutual demands $600,000 after cargo vanishes in transit](https://www.insuracarelife.com/blog/liberty-mutual-demands-600000-after-cargo-vanishes-in-transit/): The complaint sets out five causes of action: breach of contract and violation of the Montreal Convention, breach of bailment, negligence and/or recklessness and/or willful misconduct, breach of contract under federal and/or state common law, and liability under the Carmack Amendment to the Interstate Commerce Act. Liberty Mutual contends that the loss or theft of […]
- [New risk management challenges in privacy class actions](https://www.insuracarelife.com/blog/new-risk-management-challenges-in-privacy-class-actions/): “The common sense conclusion, if these cases pick up steam, is to expect higher premiums for insureds with material exposure to EU privacy claims (similar to how underwriters scrutinise US privacy risk more harshly than privacy risk in any other region),” he said. “It could also result in potentially higher deductibles for class action litigation, […]
- [Liberty Mutual faces lawsuit over denied property claims](https://www.insuracarelife.com/blog/liberty-mutual-faces-lawsuit-over-denied-property-claims/): The second case, filed in Colorado state court, involved The Grand, a mixed-use development in downtown Denver. The owner of The Grand sued the project’s general contractor and others over alleged construction defects, including CPVC leaks. Spears was later brought in as a third-party defendant, facing claims of product liability and negligence. According to the […]
- [Progressive Insurance sues Maryland towing company over trademark](https://www.insuracarelife.com/blog/progressive-insurance-sues-maryland-towing-company-over-trademark/): The insurer asserts that Progressive Towing & Hauling’s use of a similar logo – matching the stylized font and blue color – on its trucks and marketing materials is unauthorized and likely to cause confusion, mistake, and deception among the public, falsely suggesting an association or sponsorship by Progressive. The complaint states that the defendant’s […]
- [Marsh & McLennan Agency sues Granite Insurance over client poaching](https://www.insuracarelife.com/blog/marsh-mclennan-agency-sues-granite-insurance-over-client-poaching/): MMA claims that the impact was immediate and severe. On the same day Tedder’s employment ended, MMA received a broker of record (BOR) notice from a long-term client, signaling that the account was moving to Granite. Over the following months, MMA says it began receiving additional BORs from client accounts directly tied to Tedder, with […]
- [What Is Personal Accident Insurance? Coverage, Benefits & Claims](https://www.insuracarelife.com/blog/personal-accident-insurance/): Accidents are sudden, often expensive, and sometimes life changing. Even with excellent health or life insurance, you can still face uncovered costs or loss of income after an accident. That is the gap a Personal Accident Insurance policy is designed to fill. In one sentence: personal accident insurance pays a defined cash benefit if you […]
- [Allstate faces lawsuit over denied business inventory claim](https://www.insuracarelife.com/blog/allstate-faces-lawsuit-over-denied-business-inventory-claim/): The complaint states that Ivory Gem submitted a claim to Allstate on January 21, 2025. By February 25, 2025, Allstate acknowledged via email that the loss was not excluded under the policy. Despite this, Ivory Gem alleges, Allstate failed to issue any payment and delayed further investigation into the claim. On March 26, 2025, Ivory […]
- [Full Steam Staffing accuses Chubb of ramping up collateral demands](https://www.insuracarelife.com/blog/full-steam-staffing-accuses-chubb-of-ramping-up-collateral-demands/): After Full Steam decided to leave, the complaint alleges Chubb escalated its demands. Chubb was already holding $29,403,287 in cash from Full Steam to cover future claim payments. The insurer then allegedly required that this cash be converted into a letter of credit, which would remain idle, and insisted Full Steam continue to fund all […]
- [Understanding Open Enrollment for Health Insurance in 2025](https://www.insuracarelife.com/blog/understanding-open-enrollment-for-health-insurance/): What is Open Enrollment? Open enrollment refers to a specific period during which individuals and families can enroll in a health insurance plan or make changes to their existing coverage. This designated window of time is crucial for consumers as it provides the opportunity to secure health insurance coverage for the upcoming year or to […]
- [Commodity traders confront rising political, economic risks – WTW](https://www.insuracarelife.com/blog/commodity-traders-confront-rising-political-economic-risks-wtw/): “The world has entered a more protectionist era in which many governments and businesses are moving to onshore production of goods,” Freely said. “However, trade remains as vital as ever, especially with commodities that are simply not present, or very difficult to produce, in many geographies. The right risk management solutions are a vital enabler […]
- [Paving the Way: Insights from Recent Driver's Education Study Uncovers Key Opportunities for Parents and New Drivers](https://www.insuracarelife.com/blog/paving-the-way-insights-from-recent-drivers-education-study-uncovers-key-opportunities-for-parents-and-new-drivers/): A new Progressive Insurance survey reveals that young drivers felt more empowered when they spent more time practicing behind the wheel. MAYFIELD VILLAGE, Ohio, Oct. 16, 2025 /PRNewswire/ — As part of its commitment to driving progress on the road, Progressive Insurance® surveyed 513 new drivers aged 18 to 25 who got their license in […]
- [Eleventh Circuit forces Medmarc to defend Fellows LaBriola in malpractice clash](https://www.insuracarelife.com/blog/eleventh-circuit-forces-medmarc-to-defend-fellows-labriola-in-malpractice-clash/): According to the malpractice complaint, the law firm and Kushner were retained to defend Patel, PNP Amusement Games, and others in a case brought by the state of Georgia. The state had obtained a seizure warrant, freezing assets and bank accounts. After the case settled, a court-appointed receiver distributed funds and auction proceeds to the […]
- [2025 Transportation Insurance Outlook: Navigate Rising Costs, Manage Risk, Seize Opportunities](https://www.insuracarelife.com/blog/2025-transportation-insurance-outlook-navigate-rising-costs-manage-risk-seize-opportunities/): The transportation industry faces a pivotal year as companies and owners contend with geopolitical instability, evolving regulations, and rapid technological change. With rising insurance premiums, increased claim severity, and a surge in cyber and cargo theft risks, transportation businesses are under unprecedented pressure. As state-specific legal reforms progress slowly and operational costs climb, industry professionals […]
- [Great American and Swiss Re rise in Illinois's booming surplus lines market](https://www.insuracarelife.com/blog/great-american-and-swiss-re-rise-in-illinoiss-booming-surplus-lines-market/): Swiss Re’s 96% premium surge in Illinois surplus lines, rising to nearly $60 million, is a standout of strategic placement in the excess property space. Kyle Burnett, head of E&S Property for Swiss Re Corporate Solutions, credits the shift to both rising demand and the flexibility of the excess market: “The freedom of rate and […]
- [GEICO targets Florida clinics in sweeping $3.5 million RICO lawsuit](https://www.insuracarelife.com/blog/geico-targets-florida-clinics-in-sweeping-3-5-million-rico-lawsuit/): Filed in the US District Court for the Middle District of Florida, the lawsuit alleges that Preziosi West/East Orlando Chiropractic Clinic, Integrity Medical Group, and their principals, Dr. Vincent A. Preziosi, Jr. and Dr. Donald L. Behrmann, systematically billed GEICO for thousands of “medically unnecessary, illusory, unlawful, and otherwise non-reimbursable” healthcare services. The complaint describes […]
- [Union funds accuse Markel, CNA, Berkshire Hathaway of surety bond failures](https://www.insuracarelife.com/blog/union-funds-accuse-markel-cna-berkshire-hathaway-of-surety-bond-failures/): The case takes on added significance for the insurance industry because of the involvement of multiple surety and insurance providers. According to the complaint, Markel, Berkshire Hathaway, Western Surety, CNA, and Allianz Trade issued surety bonds to guarantee Commodore’s obligations on major public works projects, including the Culver Line and RFK Bridge projects. When Commodore […]
- [Zurich sues Lendlease, Starr over denied coverage in NYC construction accident](https://www.insuracarelife.com/blog/zurich-sues-lendlease-starr-over-denied-coverage-in-nyc-construction-accident/): According to Zurich’s complaint, the dispute began when a worker, Thomas Byrnes, allegedly suffered injuries from a fall at the site. Byrnes and his wife sued several parties, including Global Precast, in New York state court, seeking damages for bodily injuries and loss of consortium. The project’s owner, RP1185 LLC, and construction manager, Lendlease, then […]
- [Everything You Need to Know About Short Term Disability Insurance: Benefits, Coverage, and More](https://www.insuracarelife.com/blog/short-term-disability-insurance-benefits/): If you’re unable to work due to an illness or injury, it can create significant financial strain. While medical insurance covers the costs of treatment, it doesn’t replace lost wages. That’s where Short Term Disability Insurance (STDI) comes in. This type of insurance provides partial wage replacement for individuals who are temporarily unable to work […]
- [GEICO sues Florida clinic, claims $4.6 million PIP fraud scheme](https://www.insuracarelife.com/blog/geico-sues-florida-clinic-claims-4-6-million-pip-fraud-scheme/): GEICO and its affiliated companies have filed a complaint in the United States District Court for the Middle District of Florida, Tampa Division, against A J Therapy Center Inc., its owner Ramon Jimenez, and physician Jose Luis Cruz, M.D. The plaintiffs allege that the defendants wrongfully obtained more than $4,600,000.00 from GEICO by submitting thousands […]
- [Starr Indemnity claims Florida broker withheld $180,000 in premium funds](https://www.insuracarelife.com/blog/starr-indemnity-claims-florida-broker-withheld-180000-in-premium-funds/): Florida Statute §626.561, cited in the complaint, requires that all premiums, return premiums, or other funds belonging to insurers received by an agent or agency are trust funds received in a fiduciary capacity and prohibits their misappropriation. Starr Indemnity alleges Quantum, Victor Quijano, and Janet Quijano breached fiduciary duties by failing to hold, segregate, and […]
- [National Union pursues $465,000 recovery after AAA Club employee theft](https://www.insuracarelife.com/blog/national-union-pursues-465000-recovery-after-aaa-club-employee-theft/): National Union Fire Insurance Company of Pittsburgh, Pa., as subrogee of AAA Club Alliance Inc., has filed a civil complaint in the United States District Court for the Northern District of Ohio, targeting former AAA travel agent Michelle Ireland. The insurer alleges that Ireland, while employed at AAA’s Port Clinton, Ohio, location, orchestrated a scheme […]
- [Market capitalization and reserve levels: what the balance means for carriers](https://www.insuracarelife.com/blog/market-capitalization-and-reserve-levels-what-the-balance-means-for-carriers/): Market value is not always a proxy for reserve strength UnitedHealth, with a market capitalization of $431 billion, holds just $1.1 million in carried reserves, highlighting the limited relevance of reserve levels for diversified health and insurance conglomerates. By contrast, Travelers, with a market cap less than one-seventh that of Progressive, carries more reserves than […]
- [Central Mutual challenges duty to cover $2.4 million scrap metal lawsuit](https://www.insuracarelife.com/blog/central-mutual-challenges-duty-to-cover-2-4-million-scrap-metal-lawsuit/): According to the court filing, the dispute began when Conical Cutting Tools, a Michigan-based manufacturer of steel and carbide cutting tools, discovered that one of its employees, Corey Avery, had been stealing company materials since June 2023. Avery allegedly sold these materials as scrap to Padnos, a recycling business operating in Michigan and Indiana. The […]
- [Understanding Marine Insurance: Benefits, Uses, Advantages, and Process](https://www.insuracarelife.com/blog/marine-insurance/): Marine insurance plays a crucial role in the global economy, ensuring the safety and protection of cargo and vessels traversing the world’s oceans. With the ever-expanding trade and transport systems, marine insurance has become essential for businesses involved in shipping, logistics, and international trade. In this blog, we will explore what marine insurance is, its […]
- [Navigating Car Insurance Without an Agent in Nevada: A Comprehensive Guide](https://www.insuracarelife.com/blog/car-insurance-without-an-agent/): Introduction to Car Insurance Car insurance is a crucial financial product designed to provide protection for drivers and their vehicles against various risks, including accidents, theft, and damage. It serves as a safety net, helping individuals mitigate potentially significant costs resulting from unexpected events on the road. In the state of Nevada, having car insurance […]
- [GEICO accuses Florida clinics of orchestrating sweeping PIP fraud scheme](https://www.insuracarelife.com/blog/geico-accuses-florida-clinics-of-orchestrating-sweeping-pip-fraud-scheme/): GEICO accuses Florida clinics of orchestrating sweeping PIP fraud scheme – GEICO and its affiliates have filed a complaint in the United States District Court for the Southern District of Florida, naming Annie Lyn Casta, M.D., several medical clinics, and associated individuals as defendants. The suit alleges that these parties orchestrated a calculated operation to […]
- [Connecting the independent agency channel for a more efficient future](https://www.insuracarelife.com/blog/connecting-the-independent-agency-channel-for-a-more-efficient-future/): Connecting the independent agency channel for a more efficient future – Beyond servicing, Ivans has expanded into commercial distribution, helping agencies and carriers collaborate more effectively on new business. Hrach pointed to the Ivans’ distribution platform, which was created to address the friction of agencies having to enter data into multiple carrier portals. “Agency systems […]
- [Lithium-ion batteries cause marine brokers headaches](https://www.insuracarelife.com/blog/lithium-ion-batteries-cause-marine-brokers-headaches/): Lithium-ion batteries cause marine brokers headaches – In 1688, more than 300 years ago, underwriters in a London coffee shop organised the earliest known Lloyd’s insurance contract for a ship that set sail from London to Jamaica. Today, marine insurance underwriting principles – and even the policy documents themselves – contain clauses that are decades, […]
- [How Long Does It Take to Get a Personal Loan in New Jersey?](https://www.insuracarelife.com/blog/get-a-personal-loan-in-new-jersey/): Understanding Personal Loans Personal loans are a type of unsecured loan that borrowers can use for various purposes, including debt consolidation, home renovations, medical expenses, or even funding a vacation. Unlike secured loans, which require collateral such as property or a vehicle, personal loans rely on the borrower’s creditworthiness, meaning that the lender evaluates the […]
- [Automation and AI for the modern independent agency](https://www.insuracarelife.com/blog/automation-and-ai-for-the-modern-independent-agency/): Simplicity, focus, and fit Automation and AI for the modern independent agency – Streit explained that EZLynx’s core strength is in delivering sophisticated automation and reporting in a single, native platform designed for agencies that want to avoid complex integrations and customizations. “We have the most complete automations, sophisticated reporting, and we’re embedding AI in […]
- [Travelers challenges Nautilus in court over multimillion-dollar injury defense](https://www.insuracarelife.com/blog/travelers-challenges-nautilus-in-court-over-multimillion-dollar-injury-defense/): Travelers challenges Nautilus in court over multimillion-dollar injury defense: The Trade Contract between Avalon Yonkers ATI Site, LLC and Avalon Yonkers Sun Sites, LLC (as Owner) and NMI (as Contractor), dated May 4, 2018, required NMI to procure and maintain insurance naming the Owner, their officers, directors, employees, and any other party the Owner reasonably […]
- [Taylor Rhodes on the intelligent insurance era](https://www.insuracarelife.com/blog/taylor-rhodes-on-the-intelligent-insurance-era/): Taylor Rhodes on the intelligent insurance era – Rhodes also previewed Epic Max, a multi-year initiative to improve how brokers interact with Applied Epic. “Epic Max will deliver step-change improvements for users, making information within Applied Epic instantly and intuitively accessible, and giving you the ability to complete many of your daily tasks much more […]
- [State Farm hit with lawsuit as policyholders claim AI-driven discrimination](https://www.insuracarelife.com/blog/state-farm-hit-with-lawsuit-as-policyholders-claim-ai-driven-discrimination/): State Farm hit with lawsuit as policyholders claim AI-driven discrimination – The complaint goes further, accusing State Farm of exploiting elderly, blind, and partially blind policyholders by selling them unneeded, unnecessary, overpriced, or unsuitable insurance products. The Kellys allege that State Farm used false data from credit reporting agencies to deny, refuse, or cancel insurance […]
- ['Cops and robbers': Top 5 ransomware groups behind nearly half of all attacks](https://www.insuracarelife.com/blog/cops-and-robbers-top-5-ransomware-groups-behind-nearly-half-of-all-attacks/): This article was created in partnership with Cowbell.   ‘Cops and robbers’: Top 5 ransomware groups behind nearly half of all attacks – As cyber threats grow in frequency and complexity, businesses are facing mounting pressure to ramp up their defenses. According to Cowbell’s Cyber Roundup: Claims Report 2025, organizations are seeing a continued global rise […]
- [Vero Elevates Claims with Trust and Technology](https://www.insuracarelife.com/blog/vero-elevates-claims-with-trust-and-technology/): Vero Elevates Claims with Trust and Technology – Vero leverages Suncorp’s Disaster Management Centre, another step-change in meeting the challenges posed by catastrophes. The facility uses forecasting and modelling capabilities to plan resource allocation ahead of natural disaster event season, providing real-time visibility of risk exposure across geographical areas as weather events develop. The centre […]
- [Scottsdale Insurance challenges duty to cover wrongful conviction lawsuit](https://www.insuracarelife.com/blog/scottsdale-insurance-challenges-duty-to-cover-wrongful-conviction-lawsuit/): Scottsdale Insurance challenges duty to cover wrongful conviction lawsuit – In a complaint filed September 24, 2025, in the United States District Court for the Northern District of Illinois, Scottsdale Insurance Company seeks a declaratory judgment against John E. Reid and Associates, Inc., Michael Masokas, Katelyn Newey (as Special Representative of the Estate of Arthur […]
- [Bodily injury costs rise in Nevada – report](https://www.insuracarelife.com/blog/bodily-injury-costs-rise-in-nevada-report/): Bodily injury costs rise in Nevada – report Policy discounts are being expanded, with multi-policy holders eligible for savings across auto, homeowners and umbrella policies. Accident-free benefits allow drivers with no violations or losses over a three-year period to qualify for a 5% discount. Higher liability limits are now available, allowing coverage to be increased […]
- [D.C. court hits Commonwealth Land Title Insurance over ground lease taxes](https://www.insuracarelife.com/blog/d-c-court-hits-commonwealth-land-title-insurance-over-ground-lease-taxes/): D.C. court hits Commonwealth Land Title Insurance over ground lease taxes – On Sept. 25, the District of Columbia Court of Appeals affirmed that Commonwealth Land Title Insurance Company, as subrogee for its insured COMM 2013-CCRE12 K STREET NW, LLC, was liable for over $1 million in transfer and recordation taxes related to a ground […]
- [Delaware court forces insurers to defend Motive in Samsara cyber clash](https://www.insuracarelife.com/blog/delaware-court-forces-insurers-to-defend-motive-in-samsara-cyber-clash/): Delaware court forces insurers to defend Motive in Samsara cyber clash – To manage its risk, Motive purchased a primary cyber liability policy from Associated Industries Insurance Company, Inc., and excess policies from Vantage Risk Specialty Insurance Company, Allianz Underwriters Insurance Company, Arch Specialty Insurance Company, and Fortegra Specialty Insurance Company. The policies, governed by […]
- [Geopolitical and cyber risks reshaping insurance policies: Aon survey](https://www.insuracarelife.com/blog/geopolitical-and-cyber-risks-reshaping-insurance-policies-aon-survey/): Geopolitical and cyber risks reshaping insurance policies: Aon survey – For the first time in the survey’s 19-year history, geopolitical volatility entered the top 10 global risks, rising sharply from its 2023 position. The risk now sits alongside issues such as business interruption, regulatory change and economic slowdown, reflecting growing instability across trade flows, supply […]
- [The Best Insurance Providers in North Carolina for 2025: Our Top Picks](https://www.insuracarelife.com/blog/top-insurance-providers-in-north-carolina/): Navigating the insurance landscape in North Carolina can be daunting with numerous providers offering a variety of plans. To simplify your decision-making process, we’ve compiled a list of the top-rated insurance companies across key categories for 2025. Best Auto Insurance Providers in North Carolina 1. Progressive 2. State Farm 3. Travelers 4. Auto-Owners 5. USAA […]
- [LUBA, TruCare win appeal as court revives workers’ comp fraud fight](https://www.insuracarelife.com/blog/luba-trucare-win-appeal-as-court-revives-workers-comp-fraud-fight/): LUBA, TruCare win appeal as court revives workers’ comp fraud fight – According to court documents, Sears was injured in a car accident in Monroe, Louisiana, while working for TruCare Home Health. She received workers’ compensation benefits for injuries to her neck and back. Nearly a decade later, in November 2023, LUBA and TruCare filed […]
- [IIHS unveils new ratings for seven electric vehicles](https://www.insuracarelife.com/blog/iihs-unveils-new-ratings-for-seven-electric-vehicles/): 
 
 
 
 Five out of seven recently tested electric vehicles boast award-worthy performance in the moderate overlap front crash test, which now focuses on protection for back seat passengers. 
 By 
 September 16, 2025 
 
 
 
 

 
 Five out of seven electric vehicles recently tested by the Insurance Institute […]
- [How Enterprise Matter Management Goes Beyond Traditional Case Management](https://www.insuracarelife.com/blog/how-enterprise-matter-management-goes-beyond-traditional-case-management/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. Most law departments begin their digital transformation using basic case management tools. These systems help organize files, track deadlines and manage client communication. As organizations grow and become more mature, […]
- [Autobrake slashes rear-end crash risk associated with red light safety cameras](https://www.insuracarelife.com/blog/autobrake-slashes-rear-end-crash-risk-associated-with-red-light-safety-cameras/): 
 
 
 
 The spread of automatic emergency braking through the vehicle fleet will boost the overall effectiveness of red light safety cameras by cutting down on rear-end crashes, a new IIHS study shows. 
 By 
 September 25, 2025 
 
 
 
 

 
 The growth of automatic emergency braking systems undercuts […]
- [Top Issues for State Lawmakers in 2026](https://www.insuracarelife.com/blog/top-issues-for-state-lawmakers-in-2026/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. For two years running, we’ve opened our annual story predicting the top issues for state legislators in the coming year by noting just how tense and uncertain things are, with […]
- [Bike group’s goals align with IIHS 30x30 vision](https://www.insuracarelife.com/blog/bike-groups-goals-align-with-iihs-30x30-vision/): 
 
 
 
 The wish list of the League of American Bicyclists includes many priorities that fit into the IIHS 30×30 initiative. 
 By 
 October 9, 2025 
 
 
 
 
 
 
 
 The safety wish list of the League of American Bicyclists includes many priorities that fit into the IIHS […]
- [San Diego Superior Court Sees Major Surge in Collection Lawsuits](https://www.insuracarelife.com/blog/san-diego-superior-court-sees-major-surge-in-collection-lawsuits/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. New insights from Lex Machina®, the LexisNexis® Legal Analytics® platform, reveal a significant shift in San Diego Superior Court’s civil litigation landscape. While overall civil filings have risen since 2022, […]
- [Allstate to hold Q4 2025 earnings call Feb. 5, 2026](https://www.insuracarelife.com/blog/allstate-to-hold-q4-2025-earnings-call-feb-5-2026/): NORTHBROOK, Ill., Jan. 7, 2026 – The Allstate Corporation (NYSE: ALL) will host a conference call and webcast at 9 a.m. ET on Thursday, Feb. 5, 2026, to discuss fourth-quarter 2025 financial results. Allstate plans to file its results via a Form 8-K with the Securities and Exchange Commission (SEC) after 4:15 p.m. ET on […]
- [Understanding the Cost of Commercial Auto Insurance in Texas: Monthly Breakdown](https://www.insuracarelife.com/blog/how-much-is-commercial-auto-insurance-per-month/): Introduction to Commercial Auto Insurance Commercial auto insurance is a specialized form of insurance that covers vehicles used for business purposes. Unlike personal auto insurance, which is designed for private individuals and their personal vehicles, commercial auto insurance caters to companies that operate vehicles as part of their operational needs. It provides essential protection against […]
- [Headlight complaints abound, but glare-related crashes haven’t increased](https://www.insuracarelife.com/blog/headlight-complaints-abound-but-glare-related-crashes-havent-increased/): 
 
 
 
 Glare is implicated in just a tiny fraction of nighttime crashes, and that percentage has hardly changed over the past decade, a new IIHS study shows. 
 By 
 October 15, 2025 
 
 
 
 

 
 Complaints that today’s headlights are more likely to blind oncoming drivers have gotten […]
- [How To Buy Best Contract Lifecycle Management Software](https://www.insuracarelife.com/blog/how-to-buy-best-contract-lifecycle-management-software/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. Editor’s Note: For an overview of contract lifecycle management, read Contract Lifecycle Management Overview for Legal Departments. For more on integrated enterprise legal management, visit Enterprise Legal Management Software for […]
- [Waking up to the risks of drowsy driving and the solutions at hand](https://www.insuracarelife.com/blog/waking-up-to-the-risks-of-drowsy-driving-and-the-solutions-at-hand/): 
 
 Insight 
 
 Drowsy driving gets relatively little attention compared with other problematic driver behaviors. But the risks are apparent — and so are the solutions. 
 By Rebecca Weast 
 October 22, 2025 
 
 
 
 

 
 
 
 By Rebecca WeastSenior Research Scientist, IIHS 
 
 My first brush with […]
- [Enterprise Legal Management Insights and Integration](https://www.insuracarelife.com/blog/enterprise-legal-management-insights-and-integration/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. The Year Legal Departments Became Data-Driven This past year, corporate legal departments made bold strides in modernization. What began as incremental digital adoption evolved into full-scale enterprise transformation. The year […]
- [GEICO alleges Florida chiropractors ran $1.37 million PIP billing scheme](https://www.insuracarelife.com/blog/geico-alleges-florida-chiropractors-ran-1-37-million-pip-billing-scheme/): The dispute turns on Florida’s Motor Vehicle No‑Fault Law, which requires auto insurers to pay PIP benefits only for services that are both medically necessary and lawfully provided. The statute defines “medically necessary” services as those a prudent physician would provide to prevent, diagnose, or treat an illness or injury, in accordance with generally accepted […]
- [Nine additional models qualify for IIHS awards](https://www.insuracarelife.com/blog/nine-additional-models-qualify-for-iihs-awards/): 
 
 
 
 Electric and gas-powered sedans and SUVs from seven different brands make the cut. 
 By 
 October 28, 2025 
 
 
 
 

 
 Nine additional 2025 and 2026 models qualify for awards in the latest batch of vehicle ratings from the Insurance Institute for Highway Safety. 
 The Top Safety […]
- [Legal Operations, A Year of Data, Strategy, Leadership](https://www.insuracarelife.com/blog/legal-operations-a-year-of-data-strategy-leadership/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. 2025 Was the Year Legal Operations Took Center Stage If 2024 was about defining the role of legal operations, 2025 was about proving its impact. Across the industry, law departments […]
- [Arizona’s ‘no holding’ law cuts handheld calls but not other phone use](https://www.insuracarelife.com/blog/arizonas-no-holding-law-cuts-handheld-calls-but-not-other-phone-use/): 
 
 
 
 After the state outlawed holding a cellphone while driving, drivers were less likely to have handheld conversations, but they didn’t stop using their devices in other ways. 
 By 
 October 30, 2025 
 
 
 
 

 
 An Arizona law making it illegal to hold a cellphone while driving cut […]
- [Legal Spend Management Insights 2025](https://www.insuracarelife.com/blog/legal-spend-management-insights-2025/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. Law departments entered 2025 under unrelenting financial pressure. Rising outside counsel rates, unpredictable matter costs and executive demand for real time budget insight pushed legal spend management to the front […]
- [Vehicles with big blind zones spell danger to pedestrians during left turns](https://www.insuracarelife.com/blog/vehicles-with-big-blind-zones-spell-danger-to-pedestrians-during-left-turns/): 
 
 
 
 A large driver-side blind zone raises the risk of striking a pedestrian during a left turn by 70%, a new IIHS study shows. 
 By 
 November 19, 2025 
 
 
 
 

 
 Vehicles with large driver-side blind zones are much more likely to strike crossing pedestrians while turning […]
- [ICYMI 2025: Contract Lifecycle Management Automation](https://www.insuracarelife.com/blog/icymi-2025-contract-lifecycle-management-automation/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. The Year CLM Became the Center of Legal Workflow The past 18 months marked a turning point for contract lifecycle management automation. What was once viewed as a helpful efficiency […]
- [Sixteen more models finish 2025 with IIHS accolades](https://www.insuracarelife.com/blog/sixteen-more-models-finish-2025-with-iihs-accolades/): 
 
 
 
 The latest additions bring the total number of 2025 Top Safety Pick+ award winners to 66 and the number of 2025 Top Safety Pick winners to 18. 
 By 
 December 16, 2025 
 
 
 
 

 
 Sixteen 2025 and 2026 models from 12 different brands earn Top Safety Pick […]
- [How New York’s E-Filing Expansion Is Reshaping Litigation in 2026](https://www.insuracarelife.com/blog/how-new-yorks-e-filing-expansion-is-reshaping-litigation-in-2026/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. The days of waiting in line at the clerk’s office are almost over. Across New York, electronic filing is quickly becoming the standard for nearly every type of civil case. […]
- [Cheapest Personal Insurance Plans in New Jersey: Affordable Coverage for Every Need](https://www.insuracarelife.com/blog/cheapest-personal-insurance-plans-in-new-jersey/): Insurance is something most of us don’t enjoy thinking about until we need it. Whether it’s protecting your health, your car, or your home, the right insurance plan brings peace of mind and financial protection. But cost matters. In New Jersey — where living expenses can be high — finding affordable personal insurance without sacrificing […]
- [The Baldwin Group's Seamless Two-Month Transition to Ascend for Direct Bill Processing](https://www.insuracarelife.com/blog/the-baldwin-groups-seamless-two-month-transition-to-ascend-for-direct-bill-processing/): Across the US, ambitious brokers and agencies are running into the same wall: rapid growth, complex carrier relationships, and tighter margins are overwhelming legacy reconciliation tools and spreadsheet‑driven processes. Finance teams are buried in carrier statements, producers are frustrated by delayed or inaccurate commissions, and leadership is staring at growing buckets of unapplied cash at month‑end. In […]
- [General Motorcycle Insurance in Florida – Coverage, Benefits, and What You Need to Know](https://www.insuracarelife.com/blog/general-motorcycle-insurance-in-florida/): Motorcycle insurance is a crucial investment for any rider. Not only is it required by law in most states, but it also provides essential protection in the event of an accident, theft, or damage. For riders in Florida, understanding the details of general motorcycle insurance is key to ensuring they’re properly covered on the road. […]
- [California wildfire claims top $22 billion as insurers support recovery](https://www.insuracarelife.com/blog/california-wildfire-claims-top-22-billion-as-insurers-support-recovery/): The volume and size of these claims underscore the ongoing challenges faced by the California homeowners’ insurance market. Wildfires have driven significant losses for insurers over the past decade, with severe events increasingly linked to climate change, higher temperatures, and extended drought conditions. These losses have influenced coverage availability, premium pricing, and risk mitigation strategies. […]
- [California wildfire claims top $22B as insurers support recovery](https://www.insuracarelife.com/blog/california-wildfire-claims-top-22b-as-insurers-support-recovery/): The volume and size of these claims underscore the ongoing challenges faced by the California homeowners insurance market. Wildfires have driven significant losses for insurers over the past decade, with severe events increasingly linked to climate change, higher temperatures, and extended drought conditions. These losses have influenced coverage availability, premium pricing, and risk mitigation strategies. […]
- [Allianz Travel Insurance vs Berkshire Hathaway Travel Insurance: Which is Better in the United States?](https://www.insuracarelife.com/blog/allianz-travel-insurance-vs-berkshire-hathaway-travel-insurance/): Introduction to Travel Insurance Travel insurance serves as a financial safety net for travelers, offering coverage for unexpected events that may disrupt a trip. It is designed to protect individuals against a variety of situations, including trip cancellations, medical emergencies, lost luggage, and travel delays. Understanding the purpose of travel insurance is essential, as it […]
- [Understanding Flood Zone X: Flood Insurance vs. FEMA Flood Insurance](https://www.insuracarelife.com/blog/flood-zone-x-flood-insurance-vs-fema-flood-insurance/): Introduction to Flood Zones Flood zones are geographical areas categorized by the likelihood of flooding, determined by factors such as topography, rainfall, and local infrastructure. Each zone presents different flood risks, which in turn influences the requirements for flood insurance. Understanding these designations is crucial for property owners, as they guide insurance needs and eligibility […]
- [Landlord Insurance for Commercial Property in Los Angeles: Protecting Your Investment](https://www.insuracarelife.com/blog/landlord-insurance-for-commercial-property-in-los-angeles/): Owning a commercial property in Los Angeles is a significant investment. From office buildings and retail stores to warehouses and industrial facilities, commercial properties generate income but also come with substantial risks. Landlord insurance for commercial property is essential for property owners to protect their buildings, rental income, and legal responsibilities. This comprehensive guide explains […]
- [Building Insurance for Commercial Property: Comprehensive Guide to Protect Your Investment](https://www.insuracarelife.com/blog/building-insurance-for-commercial-property/): Owning or managing a commercial property comes with significant responsibilities and risks. One of the most important ways to safeguard your investment is building insurance for commercial property. This insurance protects the physical structure of your commercial building against unexpected events, ranging from natural disasters to accidental damage or vandalism. Without proper coverage, property owners […]
- [Acrisure Insurance vs Insuracare Life: Finding the Best Personal Insurance for Your Needs](https://www.insuracarelife.com/blog/acrisure-insurance-vs-insuracare-life/): Introduction to Personal Insurance Personal insurance plays a vital role in securing an individual’s financial future against unforeseen events. It encompasses various types of insurance products designed to meet personal needs, providing protection for individuals and their loved ones. Risks associated with life, health, and property can lead to significant financial strain, making the availability […]
- [Which Companies Are Cheaper Than American International Group (AIG)?](https://www.insuracarelife.com/blog/which-companies-are-cheaper-than-american-international-group-aig/): A Guide to Lower‑Valued Insurance Stocks Worth Considering American International Group (AIG) is one of the most recognized names in the global insurance market. For decades it has served as a major player, offering a range of property and casualty, life insurance, retirement products, and other financial services. However, many investors looking at insurance stocks […]
- [Florida Manufactured Home Insurance: Essential Coverage for Your Property](https://www.insuracarelife.com/blog/florida-manufactured-home-insurance/): Manufactured homes are a popular housing option in Florida, offering an affordable and flexible way to live in one of the most beautiful and diverse states in the U.S. However, as a manufactured home owner, it’s essential to understand that while these homes provide comfort and convenience, they are also vulnerable to certain risks, particularly […]
- [Best Health Insurance Plans for Families: Your Ultimate Guide to Coverage in the U.S.](https://www.insuracarelife.com/blog/best-health-insurance-plans-for-families/): Finding the right health insurance plan for your family can feel overwhelming, especially with the variety of options available in the United States. The healthcare landscape is complex, and with different coverage options, premiums, and deductibles, choosing the best health insurance plan for your loved ones requires careful consideration. This ultimate guide will walk you […]
- [How Do You Protect Against Inflation with Property Insurance in Florida](https://www.insuracarelife.com/blog/protecting-against-inflation-with-property-insurance-in-florida/): Understanding Inflation and Its Impact on Property Value Protect Against Inflation with Property Insurance: Inflation is defined as the rate at which the general level of prices for goods and services rises, subsequently eroding purchasing power. When inflation occurs, each unit of currency buys fewer goods and services, impacting consumers and businesses alike. In Florida, […]
- [AI makes mistakes? There's insurance for that](https://www.insuracarelife.com/blog/ai-makes-mistakes-theres-insurance-for-that/): Start‑up MKIII, which provides AI screening for credit unions and community banks, has bundled insurance against model errors into its service. MKIII, which has 11 employees, said it has referred about 5,000 new US customers this year. Co‑founder Bryan Adler told the Financial Times: “It’s all done by the machine,” adding that MKIII retains a […]
- [Michigan court blocks Citizens Insurance's bid to kill PIP arbitration](https://www.insuracarelife.com/blog/michigan-court-blocks-citizens-insurances-bid-to-kill-pip-arbitration/): Bazzy initially sued Citizens in Wayne Circuit Court in 2008. The parties then agreed to submit their dispute to binding arbitration and entered into a stipulated order on February 19, 2009 dismissing the case without prejudice. The written arbitration agreement, executed around March 24, 2009, set out the arbitrators’ role: to determine the nature and […]
- [SR-22 Insurance Explained: What It Is and How It Works](https://www.insuracarelife.com/blog/sr-22-insurance-explained/): When it comes to car insurance, you may have heard of SR-22 insurance, especially if you’ve been involved in serious driving violations. But what is SR-22 insurance, and how does it work? This blog aims to clarify what SR-22 insurance is, why you might need it, how to obtain it, and how long you’ll need […]
- [Westport Insurance scores win as Kentucky court settles coverage trigger dispute](https://www.insuracarelife.com/blog/westport-insurance-scores-win-as-kentucky-court-settles-coverage-trigger-dispute/): In 2016, Virgil filed a lawsuit in federal court under 42 U.S.C. § 1983 against the City of Newport and past and present Newport Police Department employees. He alleged violations of his constitutional right to a fair trial, malicious prosecution, fabrication of false evidence, supervisory liability and negligent supervision, failure to intervene, conspiracy to deprive […]
- [Can You Have Multiple Life Insurance Policies in the United States? A Detailed Guide](https://www.insuracarelife.com/blog/can-you-have-multiple-life-insurance-policies-in-the-united-states/): Life insurance is an essential tool for protecting your loved ones financially in the event of your death. It can provide financial stability for your family by covering funeral expenses, outstanding debts, living expenses, and other costs. But a common question that arises when people consider their options is: Can you have multiple life insurance […]
- [Can You Buy Travel Insurance After Booking a Flight in the United States?](https://www.insuracarelife.com/blog/can-you-buy-travel-insurance-after-booking-a-flight-in-the-united-states/): Understanding Travel Insurance Travel insurance is a type of insurance designed to protect travelers from potential risks associated with their trips. This coverage can provide financial compensation for unexpected events such as trip cancellations, medical emergencies, or other unforeseen issues. Understanding how travel insurance works can help travelers make informed decisions about whether to purchase […]
- [Delaware Supreme Court backs AMC on D&O stock settlement "loss" fight](https://www.insuracarelife.com/blog/delaware-supreme-court-backs-amc-on-do-stock-settlement-loss-fight/): The Superior Court’s Feb. 28, 2025 memorandum opinion centered on the policy wording. The policies defined “Loss” as: “damages, judgments, settlements, pre-judgment and post-judgment interest or other amounts (including punitive, exemplary or multiplied damages, where insurable by law) that any Insured is legally obligated to pay and Defense Expenses, including that portion of any settlement which represents the claimant’s attorneys’ fees.” […]
- [VMware sues Allstate over alleged obstruction of software licensing audit](https://www.insuracarelife.com/blog/vmware-sues-allstate-over-alleged-obstruction-of-software-licensing-audit/): The relationship reportedly soured in 2025. VMware says that on March 4, 2025, it issued a formal audit notice to Allstate under the Master Agreement’s audit clause, telling Allstate that any changes in its environment during the license review process had to be reported promptly. After an introductory call, VMware emailed Allstate on April 11, 2025, saying […]
- [What is Personal Lines of Insurance: Personal Insurance Coverage Guide](https://www.insuracarelife.com/blog/what-are-personal-lines-of-insurance-personal-insurance-coverage-guide/): Introduction to Personal Lines of Insurance Personal lines of insurance refer to policies designed to provide financial protection for individuals and families against various risks and uncertainties in their everyday lives. Unlike commercial insurance, which is specifically tailored for businesses, personal lines are focused on safeguarding personal assets and liabilities. These insurances cater to a […]
- [November 2025 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/november-2025-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., December 18, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of November of $46 million or $36 million, after-tax. Total catastrophe losses for October and November were $129 million or $101 million, after-tax. Allstate Protection policies in force are as follows: Allstate Protection Policies in Force* in […]
- [What is Whole Life Insurance and How does it Work in Ohio?](https://www.insuracarelife.com/blog/what-is-whole-life-insurance-and-how-does-it-work-in-ohio/): Introduction to Whole Life Insurance Whole life insurance is one of the primary forms of permanent life insurance designed to provide coverage for the insured’s entire life, as long as the premiums are paid. Distinct from term life insurance, which offers coverage for a specific period, whole life insurance guarantees a payout to beneficiaries regardless […]
- [World Insurance continues M&A spree](https://www.insuracarelife.com/blog/world-insurance-continues-ma-spree/): New Jersey’s commercial property insurance market is highly competitive, with unique regional challenges including hurricane and flood risk, high urban density, and regulatory complexity. The market has seen increased demand for specialized coverage solutions, particularly for real estate portfolios and commercial property owners seeking comprehensive risk management programs. Fidella’s local expertise, combined with World’s national […]
- [APCIA supports DRIVER Act to protect vehicle data ownership and privacy](https://www.insuracarelife.com/blog/apcia-supports-driver-act-to-protect-vehicle-data-ownership-and-privacy/): Sam Whitfield, APCIA’s senior vice president of federal government relations and political engagement, said the DRIVER Act strengthens privacy protections, modernizes data ownership standards, and safeguards consumers’ interests. He emphasized that the legislation is critical for insurers, as access to accurate vehicle data under clear ownership rules supports risk assessment, underwriting, and claims processing while […]
- [Best Long-Term Disability Insurance Plans and Waiting Periods in 2025](https://www.insuracarelife.com/blog/best-long-term-disability-insurance-plans-and-waiting-periods-in-2025/): What you need to know before you buy Long‑term disability (LTD) insurance isn’t something most people think about until they need it. But for many workers, a serious illness, injury, or chronic condition could cut off your income long before you retire. That’s where long‑term disability insurance comes in. It replaces a portion of your […]
- [Understanding Small Business Professional Liability Insurance in Los Angeles](https://www.insuracarelife.com/blog/small-business-professional-liability-insurance-in-los-angeles/): Introduction to Professional Liability Insurance Professional liability insurance is a critical component for small businesses operating within various professional sectors. Often referred to as errors and omissions insurance, this type of coverage is designed to protect businesses from claims alleging negligence, errors, or omissions in the provision of professional services. For small business owners, especially […]
- [University of Texas senior defensive back Michael Taaffe wins the 2025 Allstate Wuerffel Trophy for leadership in community service](https://www.insuracarelife.com/blog/university-of-texas-senior-defensive-back-michael-taaffe-wins-the-2025-allstate-wuerffel-trophy-for-leadership-in-community-service/): NORTHBROOK, Ill., Dec.12, 2025 – University of Texas senior defensive back Michael Taaffe is the recipient of the 2025 Allstate Wuerffel Trophy, college football’s most prestigious community service award. He was also named captain of the Allstate AFCA Good Works Team during The Home Depot College Football Awards on ESPN on Friday, Dec.12th. In memory […]
- [100 Best Insurance Leaders in the USA | Hot 100](https://www.insuracarelife.com/blog/100-best-insurance-leaders-in-the-usa-hot-100/): Jump to winners | Jump to methodology Enabling people to work better Paradoxically, for America’s best insurance leaders, the biggest challenge this past year has been juggling so many challenges at once.  From rising reinsurance costs and severe weather events to carriers pulling back from key markets and shifting regulations, the hurdles kept coming. However, the […]
- [General Liability vs. Workers' Compensation Insurance: What You Need to Know](https://www.insuracarelife.com/blog/general-liability-vs-workers-comp-insurance/): Introduction to Liability and Workers’ Compensation Insurance Both general liability insurance and workers’ compensation insurance are essential components of risk management for businesses. Understanding these two types of insurance is crucial for business owners seeking to protect themselves, their employees, and their assets. Each type of insurance addresses specific risks, providing protection against various liabilities […]
- [Illinois court revives UM suit, rejects American Family limitation clause](https://www.insuracarelife.com/blog/illinois-court-revives-um-suit-rejects-american-family-limitation-clause/): Garcia sued in Cook County on March 22, 2017, naming Sanchez-Lopez and the vehicle owner, then voluntarily dismissed in April 2019 and refiled on May 1, 2019, naming only Sanchez-Lopez. On March 22, 2021, Garcia amended to add a declaratory judgment count against American Family seeking UM benefits. On April 22, 2021, American Family denied […]
- [The top 10 insurance companies in the USA by market share](https://www.insuracarelife.com/blog/the-top-10-insurance-companies-in-the-usa-by-market-share/): Allstate Insurance Group, through The Allstate Corporation, is one of the largest publicly held personal lines insurers in the United States, with operations in both the US and Canada. Its most popular products are private‑passenger auto and homeowners’ insurance, sold mainly through the Allstate Protection segment via agencies, call centers, and the internet. Allstate also […]
- [Changing of the guard: How C‑suite churn at global brokers is reshaping the insurance landscape](https://www.insuracarelife.com/blog/changing-of-the-guard-how-c-suite-churn-at-global-brokers-is-reshaping-the-insurance-landscape/): The recent wave of leadership moves at the big global brokers is only the visible edge of a deeper structural reshuffle. Years of deal‑making – from Marsh/JLT and Gallagher/AssuredPartners to Howden’s roll‑ups in Germany and New Zealand – have left overlapping entities, hierarchies and brands that now have to be rationalised, and that inevitably throws […]
- [New Jersey Short-Term Disability Insurance: How It Works and What It Covers](https://www.insuracarelife.com/blog/new-jersey-short-term-disability-insurance/): New Jersey Short-Term Disability Insurance: If you’re a resident of New Jersey, it’s important to understand your rights and the benefits available to you in case you become temporarily unable to work due to a non-work-related injury or illness. One of the key programs designed to support workers in this situation is New Jersey Short-Term […]
- [Fifth Circuit revives coverage, rejects Occidental homeowners’ drug exclusion](https://www.insuracarelife.com/blog/fifth-circuit-revives-coverage-rejects-occidental-homeowners-drug-exclusion/): The case stems from a July 2019 incident at the Houston-area home of Ryan Zinkweg, whose parents were insured by Occidental Fire & Casualty Company of North Carolina. After Zinkweg and his friend, Christoffer Cox, took what they believed were LSD tablets (Cox also took what he believed to be one THC gummy), Cox fell from a knee‑high […]
- [Fifth Circuit blocks arbitration in Louisiana surplus lines insurance disputes](https://www.insuracarelife.com/blog/fifth-circuit-blocks-arbitration-in-louisiana-surplus-lines-insurance-disputes/): The court’s analysis turns on policy text and Louisiana law. The Contract Allocation Endorsement – treating the policy as “a separate contract between the Insured and each of the Underwriters” – meant that once the foreign insurers were dismissed with prejudice, no foreign party remained to any arbitration agreement, so the Convention did not apply. With the […]
- [Allstate Holiday Driver Report: How to stay safe during winter’s most dangerous travel days](https://www.insuracarelife.com/blog/allstate-holiday-driver-report-how-to-stay-safe-during-winters-most-dangerous-travel-days/): Key takeaways Drivers in some cities struggle far more in winter. Madison, Wis., plunges 128 spots in safety rankings, and Florida leads with the most cities showing the biggest winter rank drops. Snowbird cities in Arizona, Florida see the biggest increase in out-of-state holiday drivers. Phoenix traffic nearly doubles, and Orlando is up 75%. The […]
- [SPARTA sues Pennsylvania General over $12.7 million AEIC claims](https://www.insuracarelife.com/blog/sparta-sues-pennsylvania-general-over-12-7-million-aeic-claims/): The 2007 Stock Purchase Agreement attached this 2005 deal as an exhibit and defined it as the “Reinsurance Agreement.” SPARTA says Pennsylvania General also gave broad indemnity promises in Section 8.1 of the 2007 SPA, agreeing to indemnify and hold SPARTA’s predecessor harmless from any “loss, cost, expense, claim, interest, fine, penalty, deficiency, obligation, liability […]
- [Pulte sues three insurers over New Jersey condo defense dispute](https://www.insuracarelife.com/blog/pulte-sues-three-insurers-over-new-jersey-condo-defense-dispute/): On timing, Pulte says it tendered the condominium association lawsuit to Penn National on November 30, 2020, to Erie on December 4, 2020, and to Evanston on April 25, 2021. Erie, according to the suit, denied a defense on May 20, 2021, on the basis that the underlying complaints did not allege “property damage” due […]
- [Breaking barriers and building futures](https://www.insuracarelife.com/blog/breaking-barriers-and-building-futures/): Navigating an industry with persistent representation gaps  “I noticed that there weren’t many Latina women in senior executive roles. That fuelled me. My passion, not just for work, but for representation and breaking down barriers,” Ramos said. She is direct about the realities of entering the construction insurance space as a Latina woman. While she did not face overt […]
- [Delaware court affirms denial after commutation closes workers' comp claim](https://www.insuracarelife.com/blog/delaware-court-affirms-denial-after-commutation-closes-workers-comp-claim/): On October 6, 2023, while on duty with Wilmington FD, Ferrell carried two high-rise packs up approximately three flights of stairs after an officer did not pick up his assigned pack. He experienced shortness of breath and chest pain, later reporting back spasms. He also reported feeling a “pop” in his back, although the timeline […]
- [How to Add a Baby to Your Insurance: A Step-by-Step Guide](https://www.insuracarelife.com/blog/how-to-add-a-baby-to-your-insurance/): Bringing a baby into the world is one of the most exciting and life-changing experiences. Amid the joy of welcoming your little one, it’s also crucial to make sure that their health and well-being are protected — and that includes adding them to your health insurance plan. Whether you have employer-provided insurance or a private […]
- [What Is an Umbrella Insurance Policy and How Can It Benefit You?](https://www.insuracarelife.com/blog/what-is-an-umbrella-insurance-policy/): What is Umbrella Insurance? Umbrella insurance is a specialized form of liability insurance that offers extended coverage beyond the limits of standard personal insurance policies, such as homeowners or auto insurance. This type of insurance serves as a financial safeguard, providing an extra layer of protection against unforeseen events that may lead to significant financial […]
- [What is the Average Cost of Motorcycle Insurance in the United States](https://www.insuracarelife.com/blog/what-is-the-average-cost-of-motorcycle-insurance-in-the-united-states/): Introduction to Motorcycle Insurance Motorcycle insurance is a crucial financial tool for riders, providing protection against potential losses and liabilities associated with motorcycle ownership and operation. This type of insurance safeguards riders from unforeseen circumstances such as accidents, theft, or damage to their vehicles. Understanding the average cost of insurance for a motorcycle is vital […]
- [Inside a Cyber Attack: Real Lessons for Insurance Leaders](https://www.insuracarelife.com/blog/inside-a-cyber-attack-real-lessons-for-insurance-leaders/): [00:00:19] Gia Snape: Welcome, everyone, and thank you for joining us for today’s webinar, Inside a Cyber Attack, Real Lessons for Insurance Leaders. I’m Gia Snape, I’ll be your host today. In today’s digital-first world, cyber attacks are not a question of if, but when these events are now boardroom-level risks, with implications that go […]
- [What Insurance Do You Get With Social Security Disability In United States](https://www.insuracarelife.com/blog/what-insurance-do-you-get-with-social-security-disability/): Introduction to Social Security Disability Insurance (SSDI) Social Security Disability Insurance (SSDI) is a federal program designed to provide financial assistance to individuals who are unable to work due to a severe disability. Established under the Social Security Act, this program aims to support those who have contributed to the Social Security system through payroll […]
- [California appeals court upholds Privette bar in insurer home inspections](https://www.insuracarelife.com/blog/california-appeals-court-upholds-privette-bar-in-insurer-home-inspections/): Robert Andrews, an employee of Property and Casualty Surveys, Inc. (PCSI), inspected Kathleen Wagner’s home at her homeowners’ insurer’s request to help assess renewal rates and coverage levels. After finishing the interior, he stepped into the backyard and fell on wooden railroad-tie steps built into the ground. He acknowledged he knew the steps were present […]
- [Top Insurance Brokers and Agents in the USA](https://www.insuracarelife.com/blog/top-insurance-brokers-and-agents-in-the-usa/): The other strong preference that shone through was respondents’ desire to speak to an agent or broker rather than searching online for coverage. This underlines that consumers seek connection and service, along with a broker’s advice and support.  Consultant Heath Shearon, who also hosts the Insurance Town podcast, underlines how tech and AI are necessary […]
- [New York appeals court revives PrairieGold Solar hurricane claim](https://www.insuracarelife.com/blog/new-york-appeals-court-revives-prairiegold-solar-hurricane-claim/): At the heart of the case is damage from Hurricane Maria to PrairieGold’s Carmelo Productora facility in Puerto Rico. The policy, issued in September 2014, was an all-risk and business interruption program. It defined windstorm to include storms named by the National Weather Service or National Hurricane Center, and both sides agreed Hurricane Maria met that definition. The […]
- [Does Renters Insurance Cover Personal Injury in the United States?](https://www.insuracarelife.com/blog/does-renters-insurance-cover-personal-injury-in-the-united-states/): If you rent an apartment or house in the U.S., you may wonder: does renters insurance cover personal injury? The short answer: sometimes — but only under specific conditions. Renters insurance typically protects your personal property and offers liability coverage that may apply if a guest is injured or you accidentally damage someone else’s property. […]
- [CSX sues insurers over Chicago rail worker injury coverage dispute](https://www.insuracarelife.com/blog/csx-sues-insurers-over-chicago-rail-worker-injury-coverage-dispute/): Those risk-transfer provisions are now being tested by two lawsuits brought by Granite employees. CSXT’s filing states that on November 13, 2024, worker Christopher Valente sued CSXT and TranSystems, alleging he was injured on May 23, 2024, when a crane lost control of a load that struck him while he was working on the project. A second […]
- [From Phishing to Deepfakes: How to Protect Clients from the New Age of Personal Cyber Risk](https://www.insuracarelife.com/blog/from-phishing-to-deepfakes-how-to-protect-clients-from-the-new-age-of-personal-cyber-risk/): [00:00:07] Paul Lucas: All right, hello everybody, and welcome to today’s webinar. We’re just going to wait a few moments, allow some of you to filter your way in. While we’re doing that, you’ll find down at the bottom of your screen a Q&A box, if you’d like to take the opportunity just to tell […]
- [What is the best Whole‑life insurance for a child in California?](https://www.insuracarelife.com/blog/what-is-the-best-whole%e2%80%91life-insurance-for-a-child-in-california/): What is “Whole Life Insurance for Children” Whole life insurance is a type of permanent life insurance: unlike a term policy that lasts a limited number of years, whole life remains in force for life (as long as premiums are paid). When the insured person is a child (minor), the policy is typically taken out […]
- [Federal insurer faces suit over alleged refusal to pay appraisal](https://www.insuracarelife.com/blog/federal-insurer-faces-suit-over-alleged-refusal-to-pay-appraisal/): The appraisal provision, set out in a policy endorsement, applies when the parties cannot agree on the amount of loss or damage. On written demand, each side selects a competent and disinterested appraiser and notifies the other. The appraisers then choose a competent and disinterested umpire. If the appraisers cannot agree, they submit their differences […]
- [How to Choose a Health Insurance Plan in California 2025-26](https://www.insuracarelife.com/blog/how-to-choose-a-health-insurance-plan-in-california/): Understanding Health Insurance Basics Health insurance is a type of coverage that pays for medical expenses incurred by the insured. To effectively understand how to choose a health insurance plan, it is essential to familiarize oneself with key terms commonly associated with health insurance. This knowledge will facilitate better decision-making and ultimately ensure access to […]
- [‘Volatility is the new normal’: How middle-market firms can stay ahead in 2026](https://www.insuracarelife.com/blog/volatility-is-the-new-normal-how-middle-market-firms-can-stay-ahead-in-2026/): 
 Underutilized alternative risk strategies – Captives, parametrics, and other alternative solutions remain underexplored by many clients. “If you haven’t been proactive in evaluating these options, you’re going to face significant headwinds,” Stadler warned. 
 Cyber risk sophistication – Many companies purchased cyber insurance as a one-size-fits-all solution rather than tailoring it to their actual […]
- [Airbus hit by new A320 scare - hundreds of aircraft need checks](https://www.insuracarelife.com/blog/airbus-hit-by-new-a320-scare-hundreds-of-aircraft-need-checks/): Liability and product risk in focus For insurers, the developing situation raises immediate questions around product liability, aviation hull and loss-of-use exposures, as well as the potential for knock-on business interruption claims as airlines juggle grounded assets, deferred deliveries and disrupted schedules. While there is currently no suggestion of an in‑service safety incident, the combination […]
- [Which is better term or whole life insurance​ in Florida?: The Difference](https://www.insuracarelife.com/blog/which-is-better-term-or-whole-life-insurance-in-florida/): If you live in Florida and are thinking about life insurance, one of the first decisions you’ll face is whether to choose a “term” policy or a “whole life” (permanent) policy. These two options serve different needs. Understanding how each works — and what fits your life and family situation — helps you make a […]
- [Does Travelers Insurance Cover Rental Cars in the U.S.? 2025-26](https://www.insuracarelife.com/blog/does-travelers-insurance-cover-rental-cars-in-the-u-s/): Renting a car — whether for vacation, business travel, or because your own car is in the shop — raises the question: does your existing auto insurance cover the rental, or do you need extra coverage? For many people who hold a car policy with Travelers Insurance, the answer depends on what coverages you carry, […]
- [Finding the Best Recreational Vehicle Insurance Company in the United States](https://www.insuracarelife.com/blog/finding-the-best-recreational-vehicle-insurance-company-in-the-united-states/): Understanding Recreational Vehicle Insurance Recreational vehicle (RV) insurance is a specialized type of insurance designed to protect RV owners against potential financial loss associated with owning and operating their vehicles. Given the unique nature of RVs, which can serve both as transportation and as temporary living accommodations, having the appropriate insurance coverage is crucial for […]
- [Airbus in emergency recall affecting up to a record 6000 jets](https://www.insuracarelife.com/blog/airbus-in-emergency-recall-affecting-up-to-a-record-6000-jets/): For aviation insurers and brokers, the implications extend beyond the immediate operational strain. The recall highlights a growing exposure to software-integrity risks in modern aircraft. The A320, the world’s most widely flown commercial jet, relies heavily on digital flight-control systems originally introduced in the 1980s. As carriers incorporate ever more automated systems into their fleets, […]
- [State Farm's subrogation claim crushed by insured's earlier contradictory court position](https://www.insuracarelife.com/blog/state-farms-subrogation-claim-crushed-by-insureds-earlier-contradictory-court-position/): For insurance professionals, this ruling offers three critical lessons. First, your insured’s legal positions in early proceedings will define your recovery options in later disputes. Once a court validates a contractual defense, that validation echoes across all related claims. Second, multiple related subrogation actions require careful coordination to avoid contradictory positions that invite judicial estoppel. […]
- [Global insurers speed to deploy agentic AI at the “core” of their operations](https://www.insuracarelife.com/blog/global-insurers-speed-to-deploy-agentic-ai-at-the-core-of-their-operations/): People strategy is non-negotiable Technology adoption always succeeds or fails based on people. Kane stressed that “the people strategy is equally as important as any of the other strategies that we’re looking at.” The rollout mirrors how Zurich approached previous AI tools like Copilot: start with individuals experimenting and learning, then scale to team-level applications. […]
- [Is Commercial Auto Insurance Cheaper Than Personal in Pennsylvania? 2025](https://www.insuracarelife.com/blog/is-commercial-auto-insurance-cheaper-than-personal-in-pennsylvania/): Understanding Auto Insurance Types Auto insurance primarily falls into two categories: personal auto insurance and commercial auto insurance. Understanding these two types is essential for determining whether commercial auto insurance is cheaper than personal auto insurance in Pennsylvania, as they serve distinct purposes and provide varying coverage levels. Personal auto insurance is designed for individuals […]
- [Insurance industry gala raises $1.6 million for nonprofits](https://www.insuracarelife.com/blog/insurance-industry-gala-raises-1-6-million-for-nonprofits/): Since 2007, IICF’s Northeast Division has awarded over $14.8 million in grants to more than 350 organizations across the region. This year’s beneficiaries include America’s Grow a Row, Clean Ocean Action, Covenant House NY, Freedom House, Hartford Interval House, Horizons at Sacred Heart University, Limb Kind Foundation, Mount Kisco Child Care Center, Nancy Lieberman Charities, […]
- [Top 10 Commercial Property Insurance Companies in the United States](https://www.insuracarelife.com/blog/top-10-commercial-property-insurance-companies-in-the-united-states/): Introduction to Commercial Property Insurance Commercial property insurance serves as a critical resource for businesses seeking to protect their physical assets from unforeseen events such as fire, theft, vandalism, and natural disasters. This form of insurance is essential for any business that owns or leases physical property, safeguarding buildings, equipment, inventory, and other tangible assets […]
- [New York court strips GEICO's authority to deny no-fault claims](https://www.insuracarelife.com/blog/new-york-court-strips-geicos-authority-to-deny-no-fault-claims/): The Court of Appeals saw things differently. In a 6-1 decision, the majority said insurers cannot unilaterally decide that a provider has committed misconduct serious enough to withhold payment. That authority belongs to state regulators, specifically New York’s Board of Regents, which oversees professional licensing and discipline. Justice Rivera explained the concern: if insurers could […]
- [How much is Liability Insurance for a Small Business in United Status](https://www.insuracarelife.com/blog/how-much-is-liability-insurance-for-a-small-business-in-united-status/): Introduction to Liability Insurance Liability insurance serves as a crucial safeguard for small businesses, providing protection against potential legal claims that could arise from various circumstances. Essentially, this type of insurance covers the costs associated with legal defenses and settlements if your business is sued for negligence, which can occur in both unintentional and intentional […]
- [Texas appeals court upholds TWIA rule on assessment-year market share](https://www.insuracarelife.com/blog/texas-appeals-court-upholds-twia-rule-on-assessment-year-market-share/): The court’s reasoning focused on the statutory structure. It emphasized that the Insurance Code authorizes the commissioner to adopt a plan of operation for TWIA and to set how member participation is determined annually. The opinion cites Section 2210.052, which directs that participation be determined annually in the manner provided by the plan of operation, […]
- [Allstate CEO to present at Goldman Sachs 2025 U.S. Financial Services Conference](https://www.insuracarelife.com/blog/allstate-ceo-to-present-at-goldman-sachs-2025-u-s-financial-services-conference/): NORTHBROOK, Ill., Nov. 21, 2025 – The Allstate Corporation (NYSE: ALL) announced that Tom Wilson, its Chair, President and Chief Executive Officer, will present at the Goldman Sachs U.S. Financial Services Conference at 7 a.m. CT on Wednesday, Dec. 10. A webcast of the presentation can be accessed at www.allstateinvestors.com. A replay will also be posted […]
- [Allstate launches Scam Protection to safeguard workers’ finances from rising cyber and crypto fraud ](https://www.insuracarelife.com/blog/allstate-launches-scam-protection-to-safeguard-workers-finances-from-rising-cyber-and-crypto-fraud/): Key Takeaways Allstate launches Scam Protection, a new workplace benefit that covers modern digital threats including scams, ransomware and cryptocurrency theft, featuring first-of-its-kind reimbursement up to $50,000 for verified scam losses. Employers turn to Allstate amid record-breaking cybercrime trends. The insurer saved customers $33.2 million last year in potential losses, with holiday shopping periods like Black Friday and […]
- [Allstate announces quarterly dividends payable in January 2026](https://www.insuracarelife.com/blog/allstate-announces-quarterly-dividends-payable-in-january-2026/): NORTHBROOK, Ill., Nov. 20, 2025 – The Allstate Corporation (NYSE: ALL) announced that its board of directors approved a quarterly common stock dividend of $1.00 on Nov. 20, 2025. Allstate also declared the payment of quarterly preferred dividends. Common stock dividends Allstate declared a quarterly dividend of $1.00 on each outstanding share of the corporation’s […]
- [How AI-powered customer engagement and personalization at scale are reshaping global insurance](https://www.insuracarelife.com/blog/how-ai-powered-customer-engagement-and-personalization-at-scale-are-reshaping-global-insurance/): A global shift toward personalization Across the globe, leading insurers are racing to move beyond segmented, channel-specific personalization. The goal: to deliver highly individualised experiences at every touchpoint, whether digital or human-assisted, using real-time data and AI. This shift is evident in the strategies of major players such as Aviva in the UK, which has […]
- [October 2025 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/october-2025-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., November 20, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of October of $83 million or $65 million, after-tax, from five wind and hail events. Allstate Protection policies in force are as follows: Allstate Protection Policies in Force* in thousands October 31, 2025 September 30, 2025 October […]
- [The 10 Best Insurance Companies in the United States](https://www.insuracarelife.com/blog/the-10-best-insurance-companies-in-the-united-states/): Introduction to Insurance Companies Insurance is a fundamental component of modern finance, providing individuals and businesses with a mechanism to manage financial risks and uncertainties. It serves as a safety net, ensuring that policyholders are protected against unexpected events that could result in significant financial loss. Consequently, understanding what insurance entails and recognizing the importance […]
- [The Insurance Business Hall of Fame](https://www.insuracarelife.com/blog/the-insurance-business-hall-of-fame/): Jump to winners | Jump to methodology Vision to legacy Paving the way for others to succeed is the legacy of Insurance Business America’s Hall of Fame 2025. All have inspired more junior colleagues and affected change across the industry by leading by example. “Leadership is about vision and the ability to inspire change, while mentorship […]
- [Missouri's sports betting launch opens new cyber threat landscape](https://www.insuracarelife.com/blog/missouris-sports-betting-launch-opens-new-cyber-threat-landscape/): 
 Denial-of-service attacks that take platforms offline during peak betting windows 
 Cyber extortion, where hackers demand ransoms, knowing downtime is extremely costly 
 Account takeover, in which hackers infiltrate player accounts to steal credits or personal information 
 Database breaches affecting player-membership information, including sensitive identification data 
 Learning from 2023 Las Vegas ransomware attacks […]
- [Allstate CEO points to Florida tort reform as blueprint for auto insurance savings](https://www.insuracarelife.com/blog/allstate-ceo-points-to-florida-tort-reform-as-blueprint-for-auto-insurance-savings/): Florida rate cuts highlight litigation’s role in insurance affordability Wilson has framed tort reform as part of a broader affordability challenge facing the auto insurance sector. Since 2020, physical damage costs have climbed roughly 47%, injury costs have risen about 52%, and uninsured and underinsured motorist claims costs have jumped 72%, according to Allstate. At […]
- [When “Skin in the Game” Meets Uninsurable Risk: Rethinking “Knock-for-Knock” Carve Outs | Haynes Boone](https://www.insuracarelife.com/blog/when-skin-in-the-game-meets-uninsurable-risk-rethinking-knock-for-knock-carve-outs-haynes-boone/): In the offshore oil and gas sector, procurement contracts have long served as sophisticated risk management tools designed to promote commercial certainty by clearly defining parties’ obligations and allocating risks in a predictable and insurable manner. Central to this framework is the knock-for-knock indemnity regime, under which each party assumes responsibility for its own and […]
- [The University of L.A. College of Divinity Announces Retirement of Basketball Coach Michael Miller](https://www.insuracarelife.com/blog/the-university-of-l-a-college-of-divinity-announces-retirement-of-basketball-coach-michael-miller/): LOS ANGELES, Calif. /California Newswire – NEWS/ — With the 2025-26 college basketball season underway, long-time university, junior college and high school coach Michael Miller has formally retired from coaching, concluding a distinguished career spanning more than three decades and more than 750 victories, the University of Los Angeles College of Divinity announced today. Coach […]
- [Auto Club Enterprises’ Deephouse elected chair of IIHS Board of Directors](https://www.insuracarelife.com/blog/auto-club-enterprises-deephouse-elected-chair-of-iihs-board-of-directors/): 
 
 
 
 Brian Deephouse, vice president and chief actuary at Auto Club Enterprises, has taken the helm of the IIHS Board for 2026. 
 By 
 February 3, 2026 
 
 
 
 

 
 Brian Deephouse, vice president and chief actuary at Auto Club Enterprises, has been elected chair of the Insurance Institute for […]
- [Allstate announces availability of fourth quarter 2025 results ](https://www.insuracarelife.com/blog/allstate-announces-availability-of-fourth-quarter-2025-results/): NORTHBROOK, Ill., Feb. 4, 2026 – The Allstate Corporation (NYSE: ALL) has filed a Form 8-K reporting its financial results for the quarter ended Dec. 31, 2025. You can find the Form 8-K, including the earnings release and investor supplement, on the company’s page at sec.gov. These materials are also now available at www.allstateinvestors.com, including the press release.   The Allstate Corporation […]
- [WTW posts mixed results as rivals show varied growth momentum](https://www.insuracarelife.com/blog/wtw-posts-mixed-results-as-rivals-show-varied-growth-momentum/): Marsh & McLennan (MMC), the parent of Marsh, announced full-year 2025 revenue of $26.2bn, with organic revenue growth of about 7%, supported by resilient market conditions and strong client engagement across its risk, strategy and people advisory units. Marsh’s brokerage arm benefited from disciplined underwriting markets and a favorable rate environment in property/casualty and specialty […]
- [CMMI Seeks Lifestyle Interventions That Improve Health Outcomes Under New Model | Jones Day](https://www.insuracarelife.com/blog/cmmi-seeks-lifestyle-interventions-that-improve-health-outcomes-under-new-model-jones-day/): The Center for Medicare & Medicaid Services Innovation (“CMMI”) announced the Make America Healthy Again: Enhancing Lifestyle and Evaluating Value-Based Approaches Through Evidence (“MAHA ELEVATE”) Model, designed to improve health outcomes for original Medicare beneficiaries (i.e., fee for service, non-Medicare Advantage beneficiaries) through evidence-based prevention and whole-person care. As discussed in more detail in our […]
- [Vinyl Craft Opens Second Location in Fresno, CA; Brings Premium Vinyl Products and Customer Service to Central California](https://www.insuracarelife.com/blog/vinyl-craft-opens-second-location-in-fresno-ca-brings-premium-vinyl-products-and-customer-service-to-central-california/): FRESNO, Calif. /California Newswire – NEWS/ — Vinyl Craft is an established, trusted vinyl fence material company that has operated out of its headquarters in Oxnard, California since 1997. In an effort to make its vinyl fencing and gate products more readily available to Central Californians, the team has expanded to a second location in […]
- [PEMCO’s Lee reelected chair of HLDI Board of Directors](https://www.insuracarelife.com/blog/pemcos-lee-reelected-chair-of-hldi-board-of-directors/): 
 
 
 
 Dawn Lee, chief product and underwriting officer at PEMCO, will remain HLDI Board chair for 2026. 
 By 
 February 3, 2026 
 
 
 
 

 
 Dawn Lee, chief product and underwriting officer at PEMCO Mutual Insurance Company, will remain chair of the Highway Loss Data Institute’s Board of Directors […]
- [Aon caps 2025 with double-digit cash flow growth](https://www.insuracarelife.com/blog/aon-caps-2025-with-double-digit-cash-flow-growth/): For full‑year 2025, total revenue rose 9% to $17.18 billion from $15.70 billion, driven by 6% organic revenue growth, a 2% contribution from acquisitions and a 1% favorable impact from currency translation. Net income attributable to Aon shareholders increased to $3.7 billion, or $17.02 per diluted share, compared to $2.7 billion, or $12.49 per diluted […]
- [Russia: Estlund Law Obtains The Removal Of Red Notices On Behalf Of Two Russian Insurance Executives (Part 2 Of 2) | Estlund Law, P.A.](https://www.insuracarelife.com/blog/russia-estlund-law-obtains-the-removal-of-red-notices-on-behalf-of-two-russian-insurance-executives-part-2-of-2-estlund-law-p-a/): In our last post, we announced the good news that we received earlier this month: Estlund Law successfully applied for the deletion of Russian-requested Red Notices for our clients. That post is here. Some details of the case are provided below. This information illuminates the manner in which law-abiding individuals can become ensnared in the […]
- [Liyah Bey's unflinching new single ‘ABUSED’ – gives a voice to survivors living in silence](https://www.insuracarelife.com/blog/liyah-beys-unflinching-new-single-abused-gives-a-voice-to-survivors-living-in-silence/): LOS ANGELES, Calif. /California Newswire/ — “Abused,” the new single from international singer-songwriter Liyah Bey, is not a confession or a plea-it is a declaration. Built on restraint rather than release, the song gives voice to survivors of abuse by doing something rare in popular music: naming the truth plainly, without softening it. Known for […]
- [Florida Senate panel advances litigation funding bill](https://www.insuracarelife.com/blog/florida-senate-panel-advances-litigation-funding-bill/): Florida is not alone in seeking to regulate third-party litigation financing. Several states, including Arizona, Colorado, Georgia, Kansas, Montana, and Oklahoma, adopted measures in 2025 requiring disclosure of litigation financing agreements and limiting funders’ influence over case strategy. Georgia’s SB 69, for example, requires funders to register with the state, allows their agreements to be discoverable, […]
- [Winter Weather Event ‘Fern’ & Lessons from ‘Uri’: Key Insurance Recovery Considerations for Businesses | Morgan Lewis](https://www.insuracarelife.com/blog/winter-weather-event-fern-lessons-from-uri-key-insurance-recovery-considerations-for-businesses-morgan-lewis/): Recent winter storms across Texas and the southern United States underscore the ongoing insurance-recovery risks posed by extreme weather events. Drawing on lessons from Winter Storm Uri and the more recent January 2026 winter storm, this LawFlash outlines key steps businesses can take to preserve coverage, document losses, and navigate insurance claims following severe winter […]
- [Top DocMagic executives elected to vice chair MISMO Communities of Practice for the 2026-2027 term](https://www.insuracarelife.com/blog/top-docmagic-executives-elected-to-vice-chair-mismo-communities-of-practice-for-the-2026-2027-term/): TORRANCE, Calif. /California Newswire/ — DocMagic, Inc., today announced that two of its executives have been elected to help lead Community of Practice (CoP) workgroups within the Mortgage Industry Standards Maintenance Organization (MISMO) for the 2026-2027 term. Chief eServices Executive Brian D. Pannell will serve as vice chair of MISMO’s Digital Interoperability CoP, and Director […]
- [Mississippi proposes triple damages when insurers penalize nonfault accidents](https://www.insuracarelife.com/blog/mississippi-proposes-triple-damages-when-insurers-penalize-nonfault-accidents/): House Bill 1274, introduced during the 2026 Regular Session by Representative Shanda Yates, takes direct aim at how carriers handle nonfault incidents, and it comes with teeth. The proposal would prohibit insurers from raising rates, tacking on surcharges, canceling policies, or declining renewals based on crashes where the policyholder wasn’t at fault. Breaking these rules […]
- [[Webinar] § 1983 Qualified Immunity Appeals: Procedure and Strategy - February 12th, 2:00 pm - 3:00 pm EST | Freeman Mathis & Gary](https://www.insuracarelife.com/blog/webinar-%c2%a7-1983-qualified-immunity-appeals-procedure-and-strategy-february-12th-200-pm-300-pm-est-freeman-mathis-gary/): February 12th, 2026 2:00 PM – 3:00 PM EST Join us Thursday, February 12, from 2 to 3 p.m. EST for our webinar, “§ 1983 Qualified Immunity Appeals: Procedure and Strategy.” During this webinar, our presenters will discuss: what is § 1983 liability; scope of § 1983 and foundational principles; purpose and requirements of Qualified […]
- [Revolving-Door Rehabs to Real Recovery: Jimmie Applegate Exposes Truths in New Book ‘Addicted to Failure’](https://www.insuracarelife.com/blog/revolving-door-rehabs-to-real-recovery-jimmie-applegate-exposes-truths-in-new-book-addicted-to-failure/): LOS ANGELES, Calif. /California Newswire/ — In his searing new book, “Addicted to Failure: Why the Rehab System Doesn’t Work and What Must Change” (ISBN: 978-1968339876 paperback; 978-1968339883 ebook, Legacy Launch Pad Publishing), author and addiction reform advocate Jimmie Applegate takes aim at a $16 billion industry that profits from relapse and exposes why traditional […]
- [IIHS launches new whiplash prevention test](https://www.insuracarelife.com/blog/iihs-launches-new-whiplash-prevention-test/): 
 
 
 
 Only four out of the first 18 small SUVs tested earn a good rating in the new whiplash prevention evaluation, which simulates a rear impact. 
 By 
 January 27, 2026 
 
 
 
 
 
 
 
 The Insurance Institute for Highway Safety is launching a new seat and head […]
- [Price shocks, digital shifts put insurers’ loyalty playbook to the test](https://www.insuracarelife.com/blog/price-shocks-digital-shifts-put-insurers-loyalty-playbook-to-the-test/): Customers who begin their interaction via an insurer’s app are 46% more likely to say they had a seamless experience than those who start by phone or through an agent. Overall, 47% of all insurance policy buyers now purchase through digital channels, compared with 35% through agents and 17% via call centers. When customers have […]
- [2025 Key Insurance Developments and Trends for 2026 | Hinshaw & Culbertson - Insights for Insurers](https://www.insuracarelife.com/blog/2025-key-insurance-developments-and-trends-for-2026-hinshaw-culbertson-insights-for-insurers/): In 2025, Hinshaw’s global insurance services team authored several resources on key developments and decisions that impacted the US insurance industry. From our timely commentary just published in Mealey’s to the third edition of our Duty to Defend 50-state survey and whitepapers covering a variety of areas that impact the industry, our team has you […]
- [Informative Research delivers significant fintech innovations and enhanced integrations in 2025](https://www.insuracarelife.com/blog/informative-research-delivers-significant-fintech-innovations-and-enhanced-integrations-in-2025/): GARDEN GROVE, Calif. /California Newswire/ — Informative Research (IR), a leading technology provider of data-driven credit and verification solutions for the lending industry, today announced that its work in 2025 has introduced significant platform enhancements and expanded its integration ecosystem across credit and verification services. The company introduced new credit and verification capabilities, added multiple […]
- [New CIRP program targets commercial producers](https://www.insuracarelife.com/blog/new-cirp-program-targets-commercial-producers/): For designation credit, participants must complete a one-hour proctored final exam. The technical courses each include a 50-question exam, while Dynamics of Selling for CIRP includes a 30-question exam. The alliance said final exams are accessed through the learning portal and, when earning the designation or requesting continuing education credit, exams must be taken with […]
- [As Insurance, Private Capital and Asset Management Converge, Investors Jump Into Sidecars | Skadden, Arps, Slate, Meagher & Flom LLP](https://www.insuracarelife.com/blog/as-insurance-private-capital-and-asset-management-converge-investors-jump-into-sidecars-skadden-arps-slate-meagher-flom-llp/): Key Points As insurers seek new capital, one increasingly popular way to obtain it is through a “sidecar,” which allows financial sponsors, sovereign wealth funds and other investors to access insurance business quickly and at scale. For insurers, these arrangements can provide access to alternative assets and related management expertise, which allows them to diversify […]
- [‘Specialist, not generalist’: Keys to building strong insurance programs](https://www.insuracarelife.com/blog/specialist-not-generalist-keys-to-building-strong-insurance-programs/): QBE makes no warranty, representation, or guarantee regarding the information herein or the suitability of these suggestions or information for any particular purpose. QBE hereby disclaims any and all liability concerning the information contained herein and the suggestions herein made. Moreover, it cannot be assumed that every acceptable risk transfer procedure is contained herein or […]
- [Supreme Court Declines Review of No Surprises Act IDR Enforcement Dispute | King & Spalding](https://www.insuracarelife.com/blog/supreme-court-declines-review-of-no-surprises-act-idr-enforcement-dispute-king-spalding/): The U.S. Supreme Court has declined to review a Fifth Circuit decision addressing whether the No Surprises Act permits providers to bring private lawsuits to enforce independent dispute resolution (IDR) awards against insurers. The Court’s rejection leaves intact a June 2025 ruling holding that providers may not seek to enforce IDR awards through private court […]
- [Bay Area Folk-Rock Duo, Cosmic Spin offer single ‘Messenger’ carrying hopeful message for 2026](https://www.insuracarelife.com/blog/bay-area-folk-rock-duo-cosmic-spin-offer-single-messenger-carrying-hopeful-message-for-2026/): ALAMEDA, Calif. /California Newswire — NEWS/ — The alternative folk-rock duo Cosmic Spin has released “Messenger,” an original song, newly re-mastered on the Pentacle Records label. The track features Bara Waters and Robert Cassard’s lush vocal harmonies, with atmospheric layers of guitars and other effects. “Messenger” is available to stream now on YouTube, Spotify, Apple […]
- [New US operations CEO named in Crawford restructuring](https://www.insuracarelife.com/blog/new-us-operations-ceo-named-in-crawford-restructuring/): US leadership realignment In his new role, Hoberman will be responsible for directing strategy and day-to-day execution across Crawford’s US portfolio, bringing field adjusting, specialty services, third-party administration, and network solutions under a single leadership position. According to the company, the US leadership changes are intended to simplify reporting lines, reduce duplication, and alter how […]
- [Top 100 Insurance Companies in the United States: Leading Providers in 2026](https://www.insuracarelife.com/blog/top-100-insurance-companies-in-the-u-s/): The U.S. insurance industry is one of the most robust and dynamic in the world. It touches every major aspect of life and business, from health and life insurance to property, casualty, auto, and specialty coverages. With hundreds of insurers operating nationally and thousands more regionally, the market is both broad and competitive. In 2026, […]
- [From Dock to Doorstep: Exploring Good and Bad Faith Across Land and Sea | Cozen O'Connor](https://www.insuracarelife.com/blog/from-dock-to-doorstep-exploring-good-and-bad-faith-across-land-and-sea-cozen-oconnor/): Insurance law is, at its core, a law of relationships. Whether land-based or maritime, every policy rests on an expectation of honesty, transparency, and fairness. Yet the way the law defines good faith—and the consequences for bad faith—differs markedly depending on the environment in which a policy operates, a distinction that has real implications for […]
- [Sacrificing safety is not the way to make cars affordable](https://www.insuracarelife.com/blog/sacrificing-safety-is-not-the-way-to-make-cars-affordable/): 
 
 Insight 
 
 Safety features aren’t to blame for high vehicle prices, but cutting corners would have serious costs. 
 By David Harkey 
 January 20, 2026 
 
 
 
 

 
 
 
 By David HarkeyPresident, IIHS-HLDI 
 
 The average new vehicle today costs a whopping $50,000. But don’t blame […]
- [How to Compare Health Insurance Plans in Houston: A Complete Guide](https://www.insuracarelife.com/blog/how-to-compare-health-insurance-plans-in-houston/): Understanding Health Insurance Basics Health insurance is a crucial aspect of managing medical expenses, and having a strong grasp of its terminology is essential. When one is looking to compare health insurance plans, understanding key concepts such as premiums, deductibles, copayments, and out-of-pocket maximums becomes vital. Premiums refer to the monthly payment required to maintain […]
- [Supreme Court Declines Review in Guardian Flight, Leaving Intact Fifth Circuit Ruling That No Private Right of Action Exists to Enforce IDR Awards | Troutman Pepper Locke](https://www.insuracarelife.com/blog/supreme-court-declines-review-in-guardian-flight-leaving-intact-fifth-circuit-ruling-that-no-private-right-of-action-exists-to-enforce-idr-awards-troutman-pepper-locke/): On January 12, the U.S. Supreme Court denied the petition for writ of certiorari in Guardian Flight, leaving in place the Fifth Circuit’s June 2025 decision that we covered in our prior post (available here). As a result, within the Fifth Circuit, providers cannot rely on the No Surprises Act (NSA) itself to enforce Independent […]
- [Comparing the Giants: State Farm vs. Mercury Insurance – Which One is Right for You?](https://www.insuracarelife.com/blog/comparing-the-giants-state-farm-vs-mercury-insurance/): When it comes to choosing an insurance provider, two names that often come up are State Farm and Mercury Insurance. Both are highly regarded in the industry, each with its strengths and unique offerings. Whether you’re looking for auto insurance, homeowners coverage, or other types of protection, picking the right insurer is crucial. So, which […]
- [The Best Pet Insurance for Dogs in New York: Top Picks for 2026](https://www.insuracarelife.com/blog/the-best-pet-insurance-for-dogs-in-new-york/): If you’re a dog owner in New York, you know how important your furry companion is. From unexpected accidents to serious illnesses, veterinary care costs can add up fast. Pet insurance can help you manage those expenses and ensure your dog gets the care it needs. But with so many insurers on the market, choosing […]
- [How Much Is liability Insurance For A Business In New Jersey 2026-27](https://www.insuracarelife.com/blog/how-much-is-liability-insurance-for-a-business-in-new-jersey/): Introduction to Liability Insurance Liability insurance is a type of coverage that protects businesses from legal claims related to negligence, injuries, or damages caused by their operations, products, or services. This form of insurance is crucial for managing risks and ensuring financial security, especially for businesses operating in New Jersey, where the legal landscape may […]
- [New Year, New Litigation Target: Voluntary Benefit Programs | Haynes Boone](https://www.insuracarelife.com/blog/new-year-new-litigation-target-voluntary-benefit-programs-haynes-boone/): A large plaintiffs’ firm ended 2025 and kicked off 2026 with several ERISA lawsuits against different employee plan sponsors, alleging fiduciary duty violations concerning the management and administration of voluntary benefit programs, including accident-only, cancer, critical illness, and hospital indemnity policies. The four recent complaints (three filed in Illinois district courts, and one filed in […]
- [Does Renters Insurance Cover Fire Damage? Here’s What You Need to Know.](https://www.insuracarelife.com/blog/does-renters-insurance-cover-fire-damage/): Understanding Renters Insurance Renters insurance is a type of insurance designed to protect individuals who are leasing or renting a residence. Unlike homeowners insurance, which covers the physical property itself and the owner’s liabilities, renters insurance focuses primarily on the tenant’s personal belongings and provides liability protection as well. This type of insurance is essential […]
- [December 2025 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/december-2025-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., January 15, 2026 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of December of $80 million or $64 million, after-tax. Total catastrophe losses for the fourth quarter were $209 million or $165 million, after-tax. Allstate Protection policies in force are as follows: Allstate Protection Policies in Force* in […]
- [Guaranteed Asset Protection Insurance: A Smart Choice for Vehicle Owners in the U.S.](https://www.insuracarelife.com/blog/guaranteed-asset-protection-insurance/): Introduction to Guaranteed Asset Protection (GAP) Insurance Guaranteed Asset Protection (GAP) insurance is a crucial financial product designed to protect vehicle owners from significant monetary loss in the event of a total loss of their vehicle, often resulting from theft or severe accidents. The primary purpose of GAP insurance is to cover the difference between […]
- [New Jersey passes pet insurance act, mandates industry compliance by 2027](https://www.insuracarelife.com/blog/new-jersey-passes-pet-insurance-act-mandates-industry-compliance-by-2027/): The state’s “Pet Insurance Act” was approved on January 12, 2026 as Public Law 2025, Chapter 224, following Senate amendments on December 18, 2025. Sponsored by Assemblywoman Carol A. Murphy, Assemblyman William B. Sampson, IV, Assemblywoman Rosaura “Rosy” Bagolie, Senator Vin Gopal, and Senator Joseph P. Cryan, with co-sponsorship from Assemblywomen Hall and Speight and […]
- [Point-of-Sale Finance Series: Health Care Financing Compliance, Regulatory, and Privacy Pitfalls — The Consumer Finance Podcast | Troutman Pepper Locke](https://www.insuracarelife.com/blog/point-of-sale-finance-series-health-care-financing-compliance-regulatory-and-privacy-pitfalls-the-consumer-finance-podcast-troutman-pepper-locke/): In this crossover episode of The Consumer Finance Podcast and Payments Pros, guest host Taylor Gess dives into the rapidly evolving world of point-of-sale financing for medical and dental procedures with Troutman Pepper Locke Partners Jason Cover, Brent Hoard, and Erin Whaley. They unpack how HIPAA, business associate relationships, and information-sharing structures can impact financing […]
- [Health Care Week in Review | House Passes Three-Year Extension of ACA Premium Tax Credits; CDC Updates Childhood Immunization Schedule | Alston & Bird](https://www.insuracarelife.com/blog/health-care-week-in-review-house-passes-three-year-extension-of-aca-premium-tax-credits-cdc-updates-childhood-immunization-schedule-alston-bird/): Below is Alston & Bird’s Health Care Week in Review, which provides a synopsis of the latest news in health care regulations, notices, and guidance; federal legislation and congressional committee action; reports, studies, and analyses; and other health policy news. Highlight of the Week This week, the House approved a clean, three-year extension of enhanced […]
- [Federal Legislative Update: Momentum Builds Around Medicare Site-Neutral Payment Policies | Nelson Mullins Riley & Scarborough LLP](https://www.insuracarelife.com/blog/federal-legislative-update-momentum-builds-around-medicare-site-neutral-payment-policies-nelson-mullins-riley-scarborough-llp/): Washington policymakers are increasingly aligned around expanding Medicare “site-neutral” payment policies in 2026, a shift that would pay hospital outpatient departments the same rates as physician offices for a broader set of common services. Regulatory Developments In November, CMS finalized a policy to align Medicare payments for certain drugs administered in physician offices and hospital […]
- [Value for Money: Better Retirement Outcomes and Greater Transparency – Further Consultation on New Framework for DC Pension Schemes | Mayer Brown](https://www.insuracarelife.com/blog/value-for-money-better-retirement-outcomes-and-greater-transparency-further-consultation-on-new-framework-for-dc-pension-schemes-mayer-brown/): The Financial Conduct Authority (FCA) and the Pensions Regulator (TPR) are consulting further on the new value for money (VFM) framework for DC pension schemes. The consultation is intended to serve as: The FCA’s response to its 2024 consultation on the proposed detailed rules and guidance for contract-based schemes (to be set out in the […]
- [A Veteran’s Wake-Up Call in New Memoir: Ending the Broken Bargain of The American Dream](https://www.insuracarelife.com/blog/a-veterans-wake-up-call-in-new-memoir-ending-the-broken-bargain-of-the-american-dream/): LOS ANGELES, Calif. /California Newswire/ — In his new book, “You Shouldn’t Have to Kill to Get Ahead: Reimagining Wealth, Power and Belonging in America” (ISBN: 978-1968339180 [paperback]; 978-1968339173 [ebook]; 978-1968339197 [hardcover]; Legacy Launch Pad Publishing), author, Army Veteran and former political candidate Chris Rivers lays bare the broken promises of the American Dream and […]
- [Connecticut Supreme Court Reinstates Claims Against Insurer for Violating the ‘Make Whole Doctrine’ | Goldberg Segalla](https://www.insuracarelife.com/blog/connecticut-supreme-court-reinstates-claims-against-insurer-for-violating-the-make-whole-doctrine-goldberg-segalla/): Key Takeaways The Make Whole Doctrine restricts an insurer’s subrogation rights from being enforced until after its insured has been fully compensated for their loss. Issues involving the Make Whole Doctrine are likely to occur when the insured’s losses exceed the value of their policy. The insured’s rights to be compensated, or made whole, have […]
- [Hillcrest Raises the Bar for Senior Brain Health in L.A. by Serving Residents the MIND Diet Program Every Day](https://www.insuracarelife.com/blog/hillcrest-raises-the-bar-for-senior-brain-health-in-l-a-by-serving-residents-the-mind-diet-program-every-day/): LA VERNE, Calif. /California Newswire/ — As national attention increasingly turns toward brain health and healthy aging, Hillcrest, a nonprofit continuing care retirement community in Southern California, is translating research into daily practice by offering seniors brain-healthy foods at every meal, every day. Hillcrest is the only senior living community in the region to fully […]
- [Claims Notes: January 2026 | Cozen O'Connor](https://www.insuracarelife.com/blog/claims-notes-january-2026-cozen-oconnor/): New Jersey Minimum Auto Limits Raised to $35k/$70k Effective January 1, 2026, minimum limits for standard auto liability policies increase to $35,000 per person/$70,000 per accident for both liability and UM/UIM coverage (up from $25,000/$50,000). The property damage minimum remains $25,000. These changes apply to all new and renewal policies. Basic and special auto policies […]
- [Cancel for Any Reason Travel Insurance in the United States: A Complete Guide](https://www.insuracarelife.com/blog/cancel-for-any-reason-travel-insurance/): Cancel for Any Reason Travel Insurance: Traveling is one of life’s great pleasures, but sometimes, unexpected situations can cause plans to go awry. Whether it’s an emergency, personal issues, or changes in circumstances, canceling a trip can be stressful, particularly if you’ve already made non-refundable bookings. Fortunately, “Cancel for Any Reason” (CFAR) travel insurance offers […]
- [Why Novatae pushed past one-system myths in specialty insurance](https://www.insuracarelife.com/blog/why-novatae-pushed-past-one-system-myths-in-specialty-insurance/): At the same time, Arora is blunt that even a well-designed core cannot be the single answer. She rejects the fantasy that one system will meet every product, process and workflow requirement in specialty lines, where loss runs, TPA feeds and deal structures vary widely and change fast. “I should say we intend on having […]
- [Start the New Year Right | Goodell, DeVries, Leech & Dann, LLP](https://www.insuracarelife.com/blog/start-the-new-year-right-goodell-devries-leech-dann-llp/): Most of us have a process for closing out the old year and starting the new one. It’s natural to turn the page when starting a new year because it matches our biorhythms. If this is you, and you’d like to apply it to your practice, the new year surely presents some good opportunities. A […]
- [United Risk to acquire DUAL North America's crisis management program](https://www.insuracarelife.com/blog/united-risk-to-acquire-dual-north-americas-crisis-management-program/): Following the completion of the deal, the unit will be renamed First Product Protection and operate as an independent division within United Risk, adding product recall and contaminated product coverages to the company’s portfolio. Targeted sectors include food and beverage, transportation, consumer and industrial electronics, among others. The acquisition reflects United Risk’s strategy to expand its specialty […]
- [Alternative Capital for the Life Insurance Sector | Mayer Brown](https://www.insuracarelife.com/blog/alternative-capital-for-the-life-insurance-sector-mayer-brown/): [co-author: Francesco Faccendini] Introduction The Prudential Regulation Authority (PRA) has for several years been heavily focussed on developments in the UK life sector. A significant part of the focus has taken the form of tightened regulatory expectations around funded reinsurance (FundedRe) arrangements, with potential knock-on implications for underlying bulk purchase annuities (BPAs). In a speech […]
- [The Dangerous Misapplication Of O.C.G.A. § 33-24-41.1 Limited Liability Releases In Non-Motor Vehicle Accident Claims | Miles Mediation & Arbitration](https://www.insuracarelife.com/blog/the-dangerous-misapplication-of-o-c-g-a-%c2%a7-33-24-41-1-limited-liability-releases-in-non-motor-vehicle-accident-claims-miles-mediation-arbitration/): [co-author: Scott Connally] Georgia personal injury practitioners are increasingly encountering settlement demands in non-motor vehicle tort cases that require the use of a “limited liability release” pursuant to O.C.G.A. § 33-24-41.1. This practice, though perhaps well-intentioned, creates significant risks for both plaintiffs and defendants. The statute in question applies exclusively to motor vehicle accidents, and […]
- [YouTuber Gary Buechler Declares That Simply Believing in Yourself Is Nonsense When It Comes to Success, in Memoir ‘Waiting for Nerdrotic’](https://www.insuracarelife.com/blog/youtuber-gary-buechler-declares-that-simply-believing-in-yourself-is-nonsense-when-it-comes-to-success-in-memoir-waiting-for-nerdrotic/): LOS ANGELES, Calif. /California Newswire/ — Gary Buechler is as well known for his pop culture commentary on shows like Piers Morgan as he is on YouTube and Rumble, where millions of fans flock to hear his every un-PC opinion. But few know the dark road he traveled to become a voice of nerd culture. […]
- [Healthcare Preview for the Week of: January 12, 2026 | McDermott+](https://www.insuracarelife.com/blog/healthcare-preview-for-the-week-of-january-12-2026-mcdermott/): Potential APTC deal Last week, the House passed a three-year clean extension of the enhanced advanced premium tax credits (APTCs), which expired December 31, 2025. While 17 Republicans supported the bill, it appears to be dead on arrival in the Senate. This week, we expect the release of a Senate bipartisan compromise bill, led by […]
- [The Old Vine Registry Nears 9,400 Registered Vineyards as 1991 Plantings Become Eligible](https://www.insuracarelife.com/blog/the-old-vine-registry-nears-9400-registered-vineyards-as-1991-plantings-become-eligible/): SAN FRANCISCO, Calif. /California Newswire/ — The Old Vine Registry, the world’s largest and most authoritative database of historic vine plantings, has entered the new year with 9,393 registered vineyards across 42 countries, reflecting a surge of new contributions over the past twelve months. With the turn of the calendar year, vineyards planted in 1991 […]
- [Holland & Knight Health Dose: January 13, 2026 | Holland & Knight LLP](https://www.insuracarelife.com/blog/holland-knight-health-dose-january-13-2026-holland-knight-llp/): Looking Ahead The U.S. House of Representatives has passed a bill to extend the enhanced advanced premium tax credits (APTCs) for three years following a 230-196 vote, with 17 Republicans voting with Democrats to support its passage. The vote was set up following a successful discharge petition, but the bill likely faces an uphill battle […]
- [LB Limo Inc. in L.A. is Redefining LAX Car Service in Los Angeles for 2026](https://www.insuracarelife.com/blog/lb-limo-inc-in-l-a-is-redefining-lax-car-service-in-los-angeles-for-2026/): LOS ANGELES, Calif. /California Newswire/ — As Los Angeles prepares for increased travel volume heading into 2026, expectations surrounding airport transportation are shifting rapidly. travelers are no longer satisfied with basic pickups or inconsistent scheduling. They expect reliability, professionalism, and seamless coordination from curb to terminal. LB Limo (LB Limousine, Inc.) is responding to these […]
- [Virginia Workers’ Compensation Law Alert: New Failure-to-Report Civil Penalties for Self-Insurers Now in Effect (Effective January 1, 2026) | Chartwell Law](https://www.insuracarelife.com/blog/virginia-workers-compensation-law-alert-new-failure-to-report-civil-penalties-for-self-insurers-now-in-effect-effective-january-1-2026-chartwell-law/): Effective January 1, 2026, the Virginia Workers’ Compensation Commission began enforcing new civil penalties for failures to comply with required reporting obligations under the Virginia Workers’ Compensation Act. Pursuant to Code of Virginia § 65.2-902(A), self-insurers and insurance carriers that fail to make required reports to the Commission will now be subject to mandatory civil […]
- [Do Insurance Companies Cover Parking Lot Accidents in the USA?](https://www.insuracarelife.com/blog/do-insurance-companies-cover-parking-lot-accidents-in-the-usa/): Accidents happen everywhere — and parking lots are no exception. You’ve probably seen it before: a minor fender bender in a busy parking lot, or maybe even been involved in one yourself. But when an accident occurs in a parking lot, many people wonder, “Does my car insurance cover parking lot accidents?” The answer is […]
- [freebeat Announces New AI Music Video Generator Perfect for Singing, Storytelling, and Performances](https://www.insuracarelife.com/blog/freebeat-announces-new-ai-music-video-generator-perfect-for-singing-storytelling-and-performances/): NEWBURY PARK, Calif. /California Newswire/ — freebeat AI (freebeat.ai), an AI-powered music video creation platform, today announced the launch of a new version of its AI Music Video Generator, introducing a more expressive Music Video Agent that adapts how visuals are created for different types of songs. The update expands freebeat’s music-driven approach by allowing […]
- [Why Did My Car Insurance Go Up Without an Accident in United States?](https://www.insuracarelife.com/blog/why-did-my-car-insurance-go-up-without-an-accident/): Introduction to Auto Insurance Rates Auto insurance is an essential aspect of vehicle ownership, providing financial protection against physical damage and bodily injury resulting from traffic collisions, as well as liability that may arise from such incidents. In the United States, car insurance rates are primarily determined by several influencing factors, including the driver’s history, […]
- [Speed to market turns specialty programs into moving targets](https://www.insuracarelife.com/blog/speed-to-market-turns-specialty-programs-into-moving-targets/): In that kind of market, technology and new resources let businesses reconfigure themselves almost in real time. Hammer argued that the old rhythm of annual reviews and occasional midterm endorsements no longer keeps a program honest. “Unless you’re really watching your customers and staying very connected with them, it’s going to be difficult to monitor […]
- [FDIC provides update regarding its resolution planning requirements for covered banks | Orrick, Herrington & Sutcliffe LLP](https://www.insuracarelife.com/blog/fdic-provides-update-regarding-its-resolution-planning-requirements-for-covered-banks-orrick-herrington-sutcliffe-llp/): On December 31, the FDIC updated its resolution planning requirements for covered insured depository institutions (CIDIs), as it develops proposed amendments to the IDI rule. The FDIC stated that it plans to propose changes to the IDI rule for board consideration in 2026, expecting, at a minimum, to codify the content requirement exemptions and FAQs. […]
- [The Mortgage Collaborative to host inaugural 2026 ACT Technology Summit focused on mortgage technology and AI](https://www.insuracarelife.com/blog/the-mortgage-collaborative-to-host-inaugural-2026-act-technology-summit-focused-on-mortgage-technology-and-ai/): SAN DIEGO, Calif. /California Newswire/ — The Mortgage Collaborative (TMC), the nation’s leading independent cooperative network for mortgage lenders, today announced it will host the inaugural ACT Technology Summit, short for Accelerator and Collaborative Transformation, a two-day standalone mortgage technology competition and showcase Aug. 12-13 at The Highlands Hotel in Dallas. The event is open […]
- [NCOIL announces 2026 committee leadership lineup](https://www.insuracarelife.com/blog/ncoil-announces-2026-committee-leadership-lineup/): Meanwhile, the NCOIL-NAIC Dialogue will continue under co-chairs Rep. Edmond Jordan of Louisiana and Sen. Walter Michel of Mississippi. Asm. Jarett Gandolfo of New York will chair the Financial Services and Multi-Lines Issues Committee, with Asm. Tim Grayson of California as vice chair. Sen. Lana Theis of Michigan takes the helm of the Property and […]
- [Healthcare Regulatory Check-Up Newsletter | November 2025 Recap | McDermott Will & Schulte](https://www.insuracarelife.com/blog/healthcare-regulatory-check-up-newsletter-november-2025-recap-mcdermott-will-schulte/): This issue of McDermott Will & Schulte’s Healthcare Regulatory Check-Up highlights regulatory activity for November 2025. Regulators are signaling clear priorities: stronger enforcement, modernization of compliance standards, and expanded access to care. Recent enforcement actions underscore risks tied to billing accuracy, kickbacks, and Emergency Medical Treatment and Labor Act (EMTALA) compliance. The Centers for Medicare […]
- [IRS Solutions Software Completes SOC 2 Examination to Enhance Accountability for Tax Pros](https://www.insuracarelife.com/blog/irs-solutions-software-completes-soc-2-examination-to-enhance-accountability-for-tax-pros/): VALENCIA, Calif. /California Newswire/ — IRS Solutions® announces today that it has completed the SOC 2® examination. As tax professionals face growing security expectations, technology providers must prove accountability and consistency in how they handle data. A recently completed SOC 2® examination provides independent validation that IRS Solutions systems maintain secure, reliable, and confidential operations. […]
- [Judge schedules hearing on police search procedures in UnitedHealthcare CEO murder case](https://www.insuracarelife.com/blog/judge-schedules-hearing-on-police-search-procedures-in-unitedhealthcare-ceo-murder-case/): Mangione, who has pleaded not guilty to federal and state murder charges that carry the possibility of life imprisonment, is challenging the legality of the backpack search. His lawyers argue that officers violated his rights by examining items—including a gun alleged to match the murder weapon and a notebook with purported threats—before obtaining a warrant. […]
- [A Tale of Two Timelines – Eleventh Circuit Rejects Claimant’s Attempt to Rewrite Occurrence Notice Condition | Robinson & Cole LLP](https://www.insuracarelife.com/blog/a-tale-of-two-timelines-eleventh-circuit-rejects-claimants-attempt-to-rewrite-occurrence-notice-condition-robinson-cole-llp/): Occurrence-based liability policies often include a condition that requires the insured, or someone on their behalf, to provide a carrier prompt notice of the occurrence. Delays in reporting a claim can potentially provide a carrier with a late notice defense. The viability of this defense can turn on whether timeliness is evaluated from the perspective […]
- [In Her New Memoir, Karen Soven’s ‘Once Upon A Time In Palm Beach’ Reinvents the American Dream](https://www.insuracarelife.com/blog/in-her-new-memoir-karen-sovens-once-upon-a-time-in-palm-beach-reinvents-the-american-dream/): LOS ANGELES, Calif. /California Newswire/ — Exciting news for readers ready for a juicy journey through high society and the hip-hop culture of the South: Karen Soven’s “Once Upon A Time In Palm Beach: Tales of Life & Love from the Land of Sunshine & Money” (ISBN: 978-1964377605 [ebook]; 978-1964377599 [paperback]; 978-1964377612 [hardcover], Legacy Launch […]
- [Lloyd’s of London: Consolidation of Lloyd’s Byelaws and Other Rules | Skadden, Arps, Slate, Meagher & Flom LLP](https://www.insuracarelife.com/blog/lloyds-of-london-consolidation-of-lloyds-byelaws-and-other-rules-skadden-arps-slate-meagher-flom-llp/): Executive Summary What’s new: Lloyd’s of London has completed an extensive review and consolidation of its Byelaws and other rules, creating a “single, modern and user-friendly” guidebook to organise these requirements. Why it matters: This initiative improves accessibility and transparency for Lloyd’s market participants, making it easier for individuals and firms to navigate and comply […]
- [TMC Appoints Rich Swerbinsky as Strategic Advisor to CEO, also Names Heidi Belnay Senior Advisor for Business Development](https://www.insuracarelife.com/blog/tmc-appoints-rich-swerbinsky-as-strategic-advisor-to-ceo-also-names-heidi-belnay-senior-advisor-for-business-development/): SAN DIEGO, Calif. /California Newswire/ — The Mortgage Collaborative (TMC), the nation’s only independent, wholly-owned mortgage lending cooperative, today announced the appointment of Rich Swerbinsky as Strategic Advisor to the CEO & President and Heidi Belnay as Senior Advisor for Business Development. These strategic additions to the leadership team position TMC for accelerated growth and […]
- [New Proposed Legislation in Florida Regarding AI Use in Claims Handling  | Zelle LLP](https://www.insuracarelife.com/blog/new-proposed-legislation-in-florida-regarding-ai-use-in-claims-handling-zelle-llp/): AI isn’t replacing insurance company decision makers yet, as new legislation filed in Florida is aimed at requiring mandatory human reviews of claim denials. Florida’s HB 527 (and companion bill SB 202) would apply to information provided to insurers by algorithms, artificial intelligence systems, or machine learning systems, none of which may serve as the sole […]
- [The LA Local Launches New Hyperlocal Publications Serving 10 Additional L.A. Neighborhoods](https://www.insuracarelife.com/blog/the-la-local-launches-new-hyperlocal-publications-serving-10-additional-l-a-neighborhoods/): LOS ANGELES, Calif. /California Newswire/ — The LA Local today announced the next phase of its groundbreaking newsroom expansion, including community-based news outlets and a website, thelalocal.org, to serve as a trusted source of local news and information. The LA Local is led by a team of civic and journalistic leaders with deep roots in […]
- [New York State updates insurance law to include virtual credit cards | Orrick, Herrington & Sutcliffe LLP](https://www.insuracarelife.com/blog/new-york-state-updates-insurance-law-to-include-virtual-credit-cards-orrick-herrington-sutcliffe-llp/): On December 19, the governor of New York enacted a law amending the insurance law and the public health law regarding the use of virtual credit cards by insurers and certain health care plans. The legislation permits insurers, corporations, and health care plans to pay claims for reimbursement to providers using credit cards, virtual credit […]
- [Glancy Wine Education Foundation Announces Brandon Ford as New Fundraising Chair for 2026 Growth Strategy](https://www.insuracarelife.com/blog/glancy-wine-education-foundation-announces-brandon-ford-as-new-fundraising-chair-for-2026-growth-strategy/): SAN FRANCISCO, Calif. /California Newswire/ — The Glancy Wine Education Foundation (GWEF) is pleased to announce Brandon Ford as the organization’s new Fundraising Chair. Having joined the GWEF Board in July 2025, just as the organization marked their 5th year anniversary, Ford steps into a dedicated role focused on expanding the national and international reach […]
- [Insights on The Current and Future State of The U.S. Casualty Insurance Market](https://www.insuracarelife.com/blog/insights-on-the-current-and-future-state-of-the-u-s-casualty-insurance-market/): U.S. casualty insurance has shifted from a cyclical, challenging market to a structurally higher and more disciplined baseline, and that reality is redefining how brokers, carriers, and insureds operate. As nuclear verdicts proliferate, litigation funding grows, and jurisdictional risk intensifies, casualty programs become harder to structure, limits are stricter to secure, and clients are under […]
- [Stoughton extends IIHS-award-winning underride protection to container shipping](https://www.insuracarelife.com/blog/stoughton-extends-iihs-award-winning-underride-protection-to-container-shipping/): 
 
 
 
 Stoughton’s 53-foot intermodal chassis is the first trailer of its kind to qualify for the IIHS Toughguard award for superior rear underride protection. 
 By 
 June 12, 2025 
 
 
 
 
Calspan
 
 A Stoughton chassis designed for container transport is the first of its kind to qualify for […]
- [Frontline Fabrics sues Chubb unit, banks over alleged $1.4 million fraud](https://www.insuracarelife.com/blog/frontline-fabrics-sues-chubb-unit-banks-over-alleged-1-4-million-fraud/): Frontline’s systems, the lawsuit states, reflect six ACH payments released to the TD Bank account between January 13, 2025, and February 12, 2025. The payments, all made to and for the benefit of “Gulipek Kumas Ve Iplik,” were in the amounts of $184,372.13, $196,322.13, $195,002.70, $350,780.00, $295,484.90, and $204,515.00, totaling $1,426,476.86. Frontline alleges that TD […]
- [New IIHS measurement technique points to growth in vehicle blind zones](https://www.insuracarelife.com/blog/new-iihs-measurement-technique-points-to-growth-in-vehicle-blind-zones/): 
 
 
 
 The forward blind zones of six top-selling passenger vehicles grew over the past 25 years, a measurement technique developed by IIHS shows. 
 By 
 June 26, 2025 
 
 
 
 

 
 The forward blind zones of six top-selling passenger vehicles grew substantially over the past 25 years as pedestrian […]
- [Erie Insurance vs Insuracarelife: A Comprehensive Guide to Home Insurance in NYC](https://www.insuracarelife.com/blog/erie-insurance-vs-insuracarelife/): Introduction Home insurance is a crucial element for homeowners, especially in metropolitan areas like New York City, where the potential for risks such as property damage, theft, or liability claims can be substantially higher. Having a reliable home insurance policy is essential not only for protecting one’s investment but also for ensuring peace of mind […]
- [Why cyber insurance buyers now expect more than a financial backstop](https://www.insuracarelife.com/blog/why-cyber-insurance-buyers-now-expect-more-than-a-financial-backstop/): To stay ahead, Burke’s team works closely with claims professionals to stress-test coverage language against real-world incidents. Historically, many of these losses were addressed under commercial crime policies, which remains appropriate for exposures such as social engineering. Increasingly, however, Burke sees advantages in leveraging cyber policies that include rapid-response incident teams. “If you can turn […]
- [NHTSA must show greater willingness to act](https://www.insuracarelife.com/blog/nhtsa-must-show-greater-willingness-to-act/): 
 
 
 
 Amid a drastic escalation in fatal crashes on the nation’s roadways, America’s top vehicle safety regulator is failing to meet the moment, IIHS President David Harkey testified before a congressional subcommittee. 
 By 
 June 26, 2025 
 
 
 
 

 
 Faster, more decisive action from America’s top vehicle […]
- [Poor mental health, police cuts fueled pandemic spike in impaired-driving deaths](https://www.insuracarelife.com/blog/poor-mental-health-police-cuts-fueled-pandemic-spike-in-impaired-driving-deaths/): 
 
 
 
 An IIHS study about the rise in impaired-driving deaths during the COVID-19 pandemic finds mental health issues as well as cuts to police rosters played a role. 
 By 
 July 1, 2025 
 
 
 
 

 
 A national mental health crisis and reductions in policing may have helped […]
- [Two additional models earn highest IIHS award](https://www.insuracarelife.com/blog/two-additional-models-earn-highest-iihs-award/): 
 
 
 
 Two midsize luxury SUVs, the 2025 Tesla Model Y and the 2025 Volvo XC90 Plug-In Hybrid, are the latest models to earn the Institute’s highest accolade. 
 By 
 July 24, 2025 
 
 
 
 

 
 Two midsize luxury SUVs, the all-electric 2025 Tesla Model Y and the 2025 […]
- [Safe-driving apps open up a new information source for research](https://www.insuracarelife.com/blog/safe-driving-apps-open-up-a-new-information-source-for-research/): 
 
 Insight 
 
 Information from the safe-driving apps promoted by auto insurance companies offers unique advantages for researchers. 
 By Eric Teoh 
 July 29, 2025 
 
 
 
 

 
 
 
 By Eric TeohDirector of Statistical Services, IIHS 
 
 Safe-driving apps promise to save money for careful drivers. But their […]
- [Year-end Planning Is Any Time Planning](https://www.insuracarelife.com/blog/year-end-planning-is-any-time-planning/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. For many legal operations leaders, year-end planning has become synonymous with last-minute strategy sessions and data scrambles. But forward-thinking departments are breaking that cycle. With LexisNexis® CounselLink® Strategic Services, legal […]
- [Strong road safety policies have helped keep Canada on track, study shows](https://www.insuracarelife.com/blog/strong-road-safety-policies-have-helped-keep-canada-on-track-study-shows/): 
 
 
 
 Canada’s strong road safety policies have helped the country cut fatalities while the U.S. has faltered, new research from IIHS and Canada’s Traffic Injury Research Foundation shows. 
 By 
 July 31, 2025 
 
 
 
 

 
 Stronger distracted driving and seat belt laws and more widespread use of […]
- [What’s Behind the Surge of Lawsuits in Los Angeles and Orange Counties](https://www.insuracarelife.com/blog/whats-behind-the-surge-of-lawsuits-in-los-angeles-and-orange-counties/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. Trial courts in and around Los Angeles have heavier civil caseloads than ever, driven in large part by consumer collections, “Lemon Law” claims, and labor disputes. Litigators have had their […]
- [Camaro ZL1 tops chart of most-stolen vehicles](https://www.insuracarelife.com/blog/camaro-zl1-tops-chart-of-most-stolen-vehicles/): 
 
 
 
 The high-horsepower Camaro ZL1 is 39 times more likely to be stolen than the average vehicle, HLDI’s latest analysis shows. Meanwhile, thefts of Hyundai and Kia vehicles are continuing to fall following a software upgrade. 
 By 
 August 7, 2025 
 
 
 
 

 
 The Chevrolet Camaro ZL1 […]
- [Will Trump’s Executive Order Stifle State Efforts to Regulate AI?](https://www.insuracarelife.com/blog/will-trumps-executive-order-stifle-state-efforts-to-regulate-ai/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. President Donald Trump has waded into one of the most pressing and prevalent issues in state capitols these days: regulating artificial intelligence. In early December, the president said on his […]
- [Subaru owners see value in driver attention system](https://www.insuracarelife.com/blog/subaru-owners-see-value-in-driver-attention-system/): 
 
 
 
 Subaru’s DriverFocus system uses a driver-facing camera to detect signs of drowsiness or distraction. Nine out of 10 drivers who have the feature use it most or all of the time. 
 By 
 August 26, 2025 
 
 
 
 

 
 Most owners of Subaru models equipped with the […]
- [What’s New in Practical Guidance: November 2025 Update](https://www.insuracarelife.com/blog/whats-new-in-practical-guidance-november-2025-update/): Copyright © 2026 LexisNexis and/or its Licensors. * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. Each month, Practical Guidance expands its library with tools, templates, and practice notes designed to help legal practitioners move faster and stay aligned […]
- [More localities look at speed from a pedestrian’s point of view](https://www.insuracarelife.com/blog/more-localities-look-at-speed-from-a-pedestrians-point-of-view/): 
 
 Insight 
 
 Traffic engineers and policymakers are increasingly taking pedestrian needs into account when they set speed limits. By slowing vehicles down, they are improving safety for everyone. 
 By Wen Hu 
 September 3, 2025 
 
 
 
 

 
 
 
 By Wen HuSenior Research Transportation Engineer, IIHS 
 […]
- [California Legislature Adopts Broad Overhaul of Business Entity Laws](https://www.insuracarelife.com/blog/california-legislature-adopts-broad-overhaul-of-business-entity-laws/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. California flag with state capitol in the background By Eric Geringswald | CSC Legislative Updates at a Glance More than 70 sections of California’s Corporations Code and related codes were […]
- [IIHS award criteria will soon include features to address risky driving](https://www.insuracarelife.com/blog/iihs-award-criteria-will-soon-include-features-to-address-risky-driving/): 
 
 
 
 Vehicle technology that can detect certain types of risky driver behavior will soon be added to the requirements for the highest safety award from IIHS. 
 By 
 September 9, 2025 
 
 
 
 

 
 Vehicle technology that can detect certain types of risky driver behavior will soon be […]
- [2026 Edition of CSC’s Pennsylvania Business Entities Deskbook Now Available](https://www.insuracarelife.com/blog/2026-edition-of-cscs-pennsylvania-business-entities-deskbook-now-available/): * The views expressed in externally authored materials linked or published on this site do not necessarily reflect the views of LexisNexis Legal & Professional. By Eric Geringswald | CSC What’s Inside the New Edition CSC, in collaboration with LexisNexis, has released the 2026 Edition of Pennsylvania Laws Governing Business Entities Annotated. This deskbook is […]
- [San Diego Author Spearheads New Camino Pilgrim Tradition Along the Camino de Santiago](https://www.insuracarelife.com/blog/san-diego-author-spearheads-new-camino-pilgrim-tradition-along-the-camino-de-santiago/): CALIFORNIA NEWSWIRE – NEWS — The Santiago de Compostela Pilgrim’s Reception Office in Spain reports that 530,999 people received a Compostela certificate of completion in 2025, up 6% over 2024. Author Karin Kiser of Camino Chronicles Press says the actual number of people walking or biking the Camino de Santiago routes is more than that […]
- [Skilled Foreign Workers Think About Leaving the U.S.](https://www.insuracarelife.com/blog/skilled-foreign-workers-think-about-leaving-the-u-s/): These highly skilled, highly educated foreign workers have been documenting the challenges of trying to build a career in the U.S. “If I don’t find a job, I have to leave the country.” “I sent out 907 applications.” “Have I ever truly relaxed in America?” They need an H-1B visa, which is given through a […]
- [Find the Top 10 Car Insurance Agents in Miami, Florida](https://www.insuracarelife.com/blog/top-10-car-insurance-agents-in-miami-florida/): Introduction to Car Insurance in Miami Car insurance in Miami, Florida is an essential aspect of vehicle ownership and is mandated by law. The unique driving conditions in Miami, characterized by heavy traffic, diverse weather patterns, and a high population density, contribute to the complexity of car insurance. Understanding these factors and how they influence […]
- [Allstate helps drivers save on rising gas prices with mobile app and money saving tips](https://www.insuracarelife.com/blog/allstate-helps-drivers-save-on-rising-gas-prices-with-mobile-app-and-money-saving-tips/): Key takeaways: Allstate is helping customers save on rising fuel costs ahead of spring break travel with free tools and driving tips in the Allstate app.  Allstate customers can compare nearby gas prices using a gas finder feature in the Allstate app. Allstate reports usage of the feature has grown as gas prices rise. Usage is up 85% since the start of the year.   Allstate […]
- [EC call for evidence on the revision of the state aid rules for banks in difficulty | A&O Shearman](https://www.insuracarelife.com/blog/ec-call-for-evidence-on-the-revision-of-the-state-aid-rules-for-banks-in-difficulty-ao-shearman/): The European Commission (EC) has launched a call for evidence on revising the EU state aid rules for banks in difficulty. The initiative proposes to consolidate the six existing crisis-era communications into a single, clearer framework to take account of regulatory and economic developments, particularly arising from the recent reform of the EU’s Crisis Management […]
- [GeekyAnts Inc. Launches AI Pods, Closing the Enterprise AI Production Gap](https://www.insuracarelife.com/blog/geekyants-inc-launches-ai-pods-closing-the-enterprise-ai-production-gap/): CALIFORNIA NEWSWIRE – NEWS — GeekyAnts, a ​​global technology consulting and product development company, today announced the formal launch of GeekyAnts AI and AI Pods, a two-tier delivery program built to take enterprise AI systems from proof of concept to production, addressing the infrastructure and accountability failures that have stalled most AI pilot programs in […]
- [How Much Is General Liability Insurance for a Small Business in Ohio? A Detailed Guide](https://www.insuracarelife.com/blog/how-much-is-general-liability-insurance-for-a-small-business-in-ohio/): Understanding the cost of general liability insurance is crucial for small business owners in Ohio to protect their business from potential risks and legal claims. Starting and running a small business is both an exciting and challenging endeavor. As an entrepreneur, you have to deal with various aspects of business management, including financial planning, marketing, […]
- [Allstate to hold Q1 2026 earnings call April 30, 2026](https://www.insuracarelife.com/blog/allstate-to-hold-q1-2026-earnings-call-april-30-2026/): NORTHBROOK, Ill., March 30, 2026 – The Allstate Corporation (NYSE: ALL) announced the schedule for its first-quarter 2026 financial results and earnings conference call. Allstate Q1 2026 Earnings Call and Release Schedule Earnings Release Date: Wednesday, April 29, 2026, after 4:15 p.m. ET Earnings Call Date: Thursday, April 30, 2026, at 9 a.m. ET Where […]
- ['Less predictable, less trusted' roads pile pressure on auto insurers, Nationwide study finds](https://www.insuracarelife.com/blog/less-predictable-less-trusted-roads-pile-pressure-on-auto-insurers-nationwide-study-finds/): On underwriting and pricing, the challenge is how quickly models can adjust to sustained increases in distraction and aggression when traditional rating variables may not fully capture behavioral risk. On product design, carriers are weighing where to build in incentives for safer driving without adding undue complexity or alienating price-sensitive buyers. On claims and litigation, […]
- [March 2026 New York Insurance Coverage Update | Rivkin Radler LLP](https://www.insuracarelife.com/blog/march-2026-new-york-insurance-coverage-update-rivkin-radler-llp/):   Second Department Finds No Coverage Based Upon Policy’s Designated Premises Limitation 305 Union St. Station, Inc., doing business as Kittery Restaurant, operates a restaurant in Brooklyn. Plaintiff, a pedestrian, was injured when she was struck by a bicycle operated by an employee of the restaurant who was on his way back from a food […]
- [The Old Vine Registry Surpasses 10,000 Vineyards Globally, A Major Milestone in Documenting the Historic Vines](https://www.insuracarelife.com/blog/the-old-vine-registry-surpasses-10000-vineyards-globally-a-major-milestone-in-documenting-the-historic-vines/): CALIFORNIA NEWSWIRE – NEWS — In just three years, a global effort to document the world’s oldest vineyards has reached a major milestone. The Old Vine Registry, the world’s leading public database dedicated to historic vineyards, announced today that it has surpassed 10,000 registered vineyards worldwide, achieving a goal originally set for 2027 more than […]
- [Commercial Multiple Peril market outlook for 2026+: fragmentation, costs, and state-level risk](https://www.insuracarelife.com/blog/commercial-multiple-peril-market-outlook-for-2026-fragmentation-costs-and-state-level-risk/): Insurance Business’ Commercial Multiple Peril Competitor Analysis shows how this fragmented landscape is actually moving. It tracks 2014–2024 market-share trajectories across 260+ insurers, spotlighting where scale is being built, where pullbacks are quietly creating whitespace, and how “stickiness” is being protected (or lost) as market conditions tighten. Drawing on IB+ Data Hub intelligence, NAIC filings, and […]
- [Third DCA Finds Two‑Year Delay in Reporting Property Damage Violates Prompt‑Notice Obligation | Marshall Dennehey](https://www.insuracarelife.com/blog/third-dca-finds-two-year-delay-in-reporting-property-damage-violates-prompt-notice-obligation-marshall-dennehey/): Security First Insurance Company v. Moreno, 51 Fla. L. Weekly D59 (January 7, 2026) This case involves a claim for property damage allegedly caused by Hurricane Irma on September 10, 2017. However, the damage was reported to the carrier more than two years later on April 22, 2020. The carrier determined a portion of the […]
- [Can You Buy Travel Insurance After Booking a Flight? How to Protect Your Trip](https://www.insuracarelife.com/blog/can-you-buy-travel-insurance-after-booking-a-flight-how-to-protect-your-trip/): Planning a trip comes with excitement — and a fair share of risks. Many travelers wonder if they can buy travel insurance after booking a flight, especially if they didn’t purchase coverage immediately. The good news is that you can, and doing so can protect you from unexpected cancellations, delays, medical emergencies, and lost luggage. […]
- [The Mortgage Collaborative to send advocacy committee to Washington DC for policy meetings](https://www.insuracarelife.com/blog/the-mortgage-collaborative-to-send-advocacy-committee-to-washington-dc-for-policy-meetings/): CALIFORNIA NEWSWIRE – NEWS — The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, will send its Advocacy Committee to Washington, D.C. on April 16 to meet with federal policymakers and housing agencies to discuss mortgage lending, regulatory reform and housing affordability. The meetings are designed to advance member-driven priorities and […]
- [Safety benefits stack up from driver assistance features](https://www.insuracarelife.com/blog/safety-benefits-stack-up-from-driver-assistance-features/): 
 
 
 
 The safety benefits from features like automatic emergency braking, lane departure prevention and high beam assist grow as multiple systems are bundled together, insurance data show. 
 By 
 March 26, 2026 
 
 
 
 

 
 The safety benefits from features like automatic emergency braking, lane departure prevention and […]
- [Are Health Care Insurance Premiums Tax Deductible in the United States?](https://www.insuracarelife.com/blog/are-health-care-insurance-premiums-tax-deductible-in-the-united-states/): Understanding Health Care Insurance Premiums Health care insurance premiums are the regular payments made to an insurance company in exchange for health coverage. These payments can vary widely depending on several factors, including the type of health plan chosen, geographic location, and the individual’s or family’s health history. Essentially, paying these premiums ensures that the […]
- [Insurer sues to void $29 million Hurricane Ian claim over alleged fraud](https://www.insuracarelife.com/blog/insurer-sues-to-void-29-million-hurricane-ian-claim-over-alleged-fraud/): What makes this case stand out is not just the delay. Princeton alleges that during those two years, Aspen was anything but idle. According to the filing, Aspen’s representatives walked the property shortly after the September 28, 2022 storm and observed damage to screens, landscaping, and roofs. Between late September and mid-December 2022, Aspen documented […]
- [Words of a Feather Must be Read Together: Misappropriation Exclusion Held Inapplicable to Copyright Infringement Claims | Wiley Rein LLP](https://www.insuracarelife.com/blog/words-of-a-feather-must-be-read-together-misappropriation-exclusion-held-inapplicable-to-copyright-infringement-claims-wiley-rein-llp/): A federal district court applying Massachusetts law determined that an exclusion for the “misappropriation” or “improper use” of other property could not be read to bar coverage for an underlying copyright infringement lawsuit. Nichole Sliney Realty Team, Inc. v. Mount Vernon Fire Ins. Co., 2026 WL 371144 (D. Mass. Feb. 10, 2026). The insured, a […]
- [Secured Signing Approved for RON and IPEN in Rhode Island and South Carolina, Now in Nearly 40 States](https://www.insuracarelife.com/blog/secured-signing-approved-for-ron-and-ipen-in-rhode-island-and-south-carolina-now-in-nearly-40-states/): CALIFORNIA NEWSWIRE – NEWS — Secured Signing, a leading provider of tamperproof Digital Signatures and Online Notary solutions, is proud to announce its official approval as a trusted provider for Remote Online Notarization (RON) and In Person Electronic Notarization (IPEN) in nearly 40 U.S. states. The latest states to grant approval include: * South Carolina […]
- [IIHS pushes improvements in crash avoidance with 2026 awards](https://www.insuracarelife.com/blog/iihs-pushes-improvements-in-crash-avoidance-with-2026-awards/): 
 
 
 
 The Institute is pushing automakers to improve crash avoidance systems and provide superior back seat protection this year. Even with tougher criteria, 63 vehicles qualify for IIHS awards so far. 
 By 
 March 24, 2026 
 
 
 
 
 
 
 
 The Insurance Institute for Highway Safety is […]
- [How to Get Higher Payouts on Commercial Property Insurance Claims in California](https://www.insuracarelife.com/blog/how-to-get-higher-payouts-on-commercial-property-insurance-claims-in-california/): Understanding Commercial Property Insurance Commercial property insurance serves as a vital safety net for businesses, offering financial protection against various forms of loss or damage to their physical assets. This type of insurance generally covers buildings, equipment, inventory, and other tangible assets that a business relies upon to operate effectively. In California, where natural disasters […]
- [Second Circuit blocks insurers from recovering $7 billion in frozen Afghan bank assets](https://www.insuracarelife.com/blog/second-circuit-blocks-insurers-from-recovering-7-billion-in-frozen-afghan-bank-assets/): Judge Menashi dissented separately, agreeing that the president’s recognition of Afghanistan as a state should stand but arguing the bank itself no longer qualifies as an agency of that state. He pointed out that the Afghan banking law the panel relied on – which says the bank’s capital belongs to the state of Afghanistan – […]
- [Lawsuits Challenging a Beneficiary Designation, Pay-on-Death Designation, or a Transfer-on-Death Designation in Virginia | Whiteford](https://www.insuracarelife.com/blog/lawsuits-challenging-a-beneficiary-designation-pay-on-death-designation-or-a-transfer-on-death-designation-in-virginia-whiteford/): We recently wrote a post on common will contest scenarios in Virginia. That post discussed common bases for challenging a will in Virginia. In addition to will contests, many estate disputes involve challenges to other estate-related documents such as beneficiary designations, pay-on-death designations (sometimes referred to as “POD”), or transfer-on-death designations (sometimes referred to as […]
- [How to Get Full Vacation Home Insurance Coverage with Low Prices in California](https://www.insuracarelife.com/blog/how-to-get-full-vacation-home-insurance-coverage-with-low-prices-in-california/): Understanding Vacation Home Insurance Vacation home insurance is a specialized form of coverage designed to protect properties that are not used as a primary residence. It is essential for property owners who utilize their homes for short-term rentals or seasonal stays. Unlike standard homeowners insurance, which typically covers a home where the owner lives, vacation […]
- [The Mortgage Collaborative launches enhanced benchmarking platform with new brand, TMC Insight](https://www.insuracarelife.com/blog/the-mortgage-collaborative-launches-enhanced-benchmarking-platform-with-new-brand-tmc-insight/): SAN DIEGO, Calif. /California Newswire – NEWS/ — The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, announced enhancements to its benchmarking platform and a rebrand from Benchmark to TMC Insight, delivering expanded dashboards and peer performance analysis for mortgage lenders. TMC Insight provides participating lenders with benchmarking across operational, financial […]
- [Court blocks medical supply company from challenging Hartford workers' comp payments](https://www.insuracarelife.com/blog/court-blocks-medical-supply-company-from-challenging-hartford-workers-comp-payments/): Scomed was given multiple opportunities to respond over three hearings but largely declined to present its own arguments or evidence. Hartford, meanwhile, introduced exhibits – all of which came from Scomed’s own counsel – showing that Scomed’s business model revolved around stocking and selling commonly prescribed products. These included pages from Scomed’s website and Facebook […]
- [Penalties, PARs, and Psychological Claims: Recent New York Workers’ Compensation Decisions | Weber Gallagher Simpson Stapleton Fires & Newby LLP](https://www.insuracarelife.com/blog/penalties-pars-and-psychological-claims-recent-new-york-workers-compensation-decisions-weber-gallagher-simpson-stapleton-fires-newby-llp/): It has been a few weeks since the 3rd Dept. issued decisions on workers’ compensation cases. We got three yesterday, plus the Court of Appeals dropped a decision on Tuesday, 3/17/26. Gonzalez v. Northeast Parent & Child Society (Ct. of Appeals, March 17, 2026) This is a big win for carriers. The issue is whether […]
- [Adonna Wines Makes Its California Debut in Russian River Valley, Celebrating Heritage and Art of the Moment](https://www.insuracarelife.com/blog/adonna-wines-makes-its-california-debut-in-russian-river-valley-celebrating-heritage-and-art-of-the-moment/): CALIFORNIA NEWSWIRE – NEWS — On March 20, the first day of spring, Adonna Wines officially opens its spring allotment to the California market. Founded by Donna Kato, a Japanese American biochemist who left the world of science to tend the land and make wine of uncommon elegance, Adonna Wines is an allotment-only label available […]
- [February 2026 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/february-2026-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., March 19, 2026 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of February of $140 million or $111 million, after-tax. Total catastrophe losses for January and February were $315 million or $249 million, after-tax. Allstate Protection policies in force are as follows: Allstate Protection Policies in Force* in […]
- [AssuredPartners sues Liberty Company over sweeping employee raid across California](https://www.insuracarelife.com/blog/assuredpartners-sues-liberty-company-over-sweeping-employee-raid-across-california/): Reed, a sales executive, allegedly forwarded a spreadsheet summarizing new and lost business across producers — including client names, carriers, coverage lines, effective dates, and revenue — to his personal email in late December 2025. Dela Torre, an account executive, allegedly sent prospective client documents including policies, binders, and property-level financial data to her personal […]
- [Ninth Circuit Recognizes the Potential for Coverage in Employee's Suit Alleging Chemical Exposure | Nossaman LLP](https://www.insuracarelife.com/blog/ninth-circuit-recognizes-the-potential-for-coverage-in-employees-suit-alleging-chemical-exposure-nossaman-llp/): The Ninth Circuit reversed a lower court and held that insurer Atlantic Specialty (as successor to One Beacon) had a duty to defend an employee’s suit against his employer, a semiconductor manufacturer. In the underlying claim, the employee alleged exposure to chemicals at work caused birth defects in his son and sought $270M in damages. […]
- [San Diego Area Resident Files Writ of Mandate Regarding California State Ferret Ban](https://www.insuracarelife.com/blog/san-diego-area-resident-files-writ-of-mandate-regarding-california-state-ferret-ban/): CALIFORNIA NEWSWIRE – SAN DIEGO — Pat Wright, a California resident and advocate for ferret legalization, and founder of LegalizeFerrets.org, has filed a Petition for Writ of Mandate in Sacramento County Superior Court against the California Fish and Game Commission and the California Department of Fish and Wildlife. The petition asks the court to compel […]
- [Bell announces $12‑billion AI data centre, 1,600 new jobs](https://www.insuracarelife.com/blog/bell-announces-12-billion-ai-data-centre-1600-new-jobs/): Saskatchewan’s Crown corporations are coordinating to support the development. SaskPower has begun work on the first phase of the transmission interconnection, expected to be complete by the end of 2026, to provide reliable power. SaskTel’s fibre optic transport network will deliver “resilient, diverse, and reliable connectivity,” linking the facility to Bell’s national fibre backbone, and […]
- [Hospitals and Health Care Providers Brought Before Congress to Testify on Health Care Costs | Polsinelli](https://www.insuracarelife.com/blog/hospitals-and-health-care-providers-brought-before-congress-to-testify-on-health-care-costs-polsinelli/): Key Takeaways: The House Committee on Energy and Commerce Subcommittee on Health (Subcommittee) has been holding a series of hearings focused on lowering health care costs, with a specific emphasis on insurer practices, hospital pricing and pharmaceutical supply chains. The continuation of these hearings discussing efforts to lower health care costs could lead to future […]
- [Archive directory, The Guide to Public Archives II, unlocks secrets of world’s knowledge repositories](https://www.insuracarelife.com/blog/archive-directory-the-guide-to-public-archives-ii-unlocks-secrets-of-worlds-knowledge-repositories/): CALIFORNIA NEWSWIRE – LOS ANGELES — For the first time, journalists and researchers have a searchable directory of over 1,500 of the world’s knowledge repositories. The new publication is from Newsjunkie.net, the data-journalism resource known for its “Who’s Behind the News” reporting. Guide to Public Archives II, a fully revised and expanded directory of the […]
- ['Man on a Mission': Life industry pays tribute to Marvin Feldman](https://www.insuracarelife.com/blog/man-on-a-mission-life-industry-pays-tribute-to-marvin-feldman/): “Marv was a great man and a staunch supporter of NAIFA, the profession, and the entire life insurance industry,” NAIFA CEO Kevin Mayeux said in a statement. “He dedicated much of his life to helping people understand the importance of life insurance and other protection products, and he played an important role in shaping the […]
- [Key Points in Commercial Real Estate Purchase and Sale Contracts: Negotiating Covenants Between Signing and Closing, and Allocation of Closing Costs | Baker Donelson](https://www.insuracarelife.com/blog/key-points-in-commercial-real-estate-purchase-and-sale-contracts-negotiating-covenants-between-signing-and-closing-and-allocation-of-closing-costs-baker-donelson/): In a multipart series, we’re examining important points to consider when negotiating commercial real estate purchase and sale contracts from the perspectives of buyers and sellers. Our prior posts addressed negotiating contract terms regarding payment of the purchase price and deposit, the due diligence period, title and survey matters, and representations and warranties. In this […]
- [Hillcrest Hosts ‘Luck O’ the Draw’ Philanthropy Event in La Verne CA Supporting RESIDENTS IN NEED](https://www.insuracarelife.com/blog/hillcrest-hosts-luck-o-the-draw-philanthropy-event-in-la-verne-ca-supporting-residents-in-need/): LA VERNE, Calif. /California Newswire – NEWS/ — Hillcrest will host its annual Luck O’ the Draw fundraiser to support its benevolence funds, which assist residents who have outlived their financial resources and allow them to continue to live at Hillcrest. The community invites residents, supporters and neighbors to join them on Tuesday, March 17, […]
- [Executive Lines Market Report 2026](https://www.insuracarelife.com/blog/executive-lines-market-report-2026/): The 2026 executive lines market opens in a period of apparent calm—marked by abundant capacity, heightened competition, and largely flat pricing across most lines. But beneath that stability, meaningful pressures are emerging. Cyber losses are again on the rise, AI is creating new and unpredictable exposures across professional, cyber, and employment-related claims, and nuclear verdicts continue […]
- [Liberty Northwest Ins. Corp. v. Atlantic Specialty Ins. Co., No. 24-7353 (9th Cir. Feb. 20, 2026) (Unpublished) | Nossaman LLP](https://www.insuracarelife.com/blog/liberty-northwest-ins-corp-v-atlantic-specialty-ins-co-no-24-7353-9th-cir-feb-20-2026-unpublished-nossaman-llp/): The Ninth Circuit reversed a lower court and held that insurer Atlantic Specialty (as successor to One Beacon) had a duty to defend an employee’s suit against his employer, a semiconductor manufacturer. In the underlying claim, the employee alleged exposure to chemicals at work caused birth defects in his son and sought $270M in damages. […]
- [National Postdoctoral Association announces Gold, Fuhrmann, Cook Win 2026 Top Individual NPA Awards](https://www.insuracarelife.com/blog/national-postdoctoral-association-announces-gold-fuhrmann-cook-win-2026-top-individual-npa-awards/): SAN FRANCISCO, Calif. /California Newswire – NEWS/ — As it celebrated 150 years of postdoctoral scholars in the U.S., the National Postdoctoral Association (NPA) announced at its annual conference that Michael S. Gold, Ph.D., Cynthia Furhmann, Ph.D., and Olivia K. Cook, Ph.D., are the 2026 winners of the organization’s three most prestigious individual awards. “This […]
- [Let’s prioritize safety in the vehicles that power our economy](https://www.insuracarelife.com/blog/lets-prioritize-safety-in-the-vehicles-that-power-our-economy/): 
 
 Insight 
 
 Cargo vans and work trucks are an overlooked part of the road safety picture. IIHS is changing that by providing fleet managers and other decision-makers with new ratings and research. 
 By David Kidd 
 March 12, 2026 
 
 
 
 

 
 
 
 By David KiddVice President, […]
- [Travelers sues ACE for allegedly abandoning Trader Joe's landlord defense](https://www.insuracarelife.com/blog/travelers-sues-ace-for-allegedly-abandoning-trader-joes-landlord-defense/): The story begins with a trip-and-fall. According to court filings, Rosalind and Nir Arbel allege that on January 23, 2022, Rosalind Arbel was injured after tripping in a parking lot at 2670 Geary Blvd. in San Francisco – a lot leased to Trader Joe’s for additional parking for its store at 3 Masonic Avenue. The […]
- [Legal Forms | Legislation Planned to Address Excessive Costs for Prescription Topical Drugs in Workers' Compensation | Weber Gallagher Simpson Stapleton Fires & Newby LLP](https://www.insuracarelife.com/blog/legal-forms-legislation-planned-to-address-excessive-costs-for-prescription-topical-drugs-in-workers-compensation-weber-gallagher-simpson-stapleton-fires-newby-llp/): Most employers and their insurance resources are aware of the abusive cost structures associated with prescription compound topical drugs/creams being sold to our Commonwealth’s injured workers. The central objection about the cost is that the ingredients and compounds, essentially, are versions of readily available over-the-counter drugs, sold publicly at fractions of the cost of the […]
- [Informative Research names fintech pro Mark Jones as its new SVP of partner success](https://www.insuracarelife.com/blog/informative-research-names-fintech-pro-mark-jones-as-its-new-svp-of-partner-success/): GARDEN GROVE, Calif. /California Newswire – NEWS/ — Informative Research (IR), a leading technology provider of data-driven credit and verification solutions for the lending industry, today announced the appointment of Senior Vice President of Partner Success Mark Jones. In this role, Jones will develop and scale a strategy to expand IR’s market reach and strengthen […]
- [New report provides road map for fleets to roll out anti-speeding tech](https://www.insuracarelife.com/blog/new-report-provides-road-map-for-fleets-to-roll-out-anti-speeding-tech/): 
 
 
 
 Fleet managers shared their experiences with intelligent speed assistance to help researchers identify best practices for implementing the technology. 
 By 
 March 10, 2026 
 
 
 
 

 
 A new Insurance Institute for Highway Safety study prepared by the U.S. Department of Transportation’s Volpe Center provides a road […]
- [New national data show youth-led service linked to confidence and career readiness](https://www.insuracarelife.com/blog/new-national-data-show-youth-led-service-linked-to-confidence-and-career-readiness/): Key takeaways Career readiness: Half of young people (52%) say service activities had a somewhat (38%) or very (14%) positive impact on feeling prepared for a future career. Connection: 79% say service activities had a somewhat (47%) or very (32%) positive impact on feeling connected to their community. Resilience: Youth with service experience are more likely to say […]
- [$30M settlement reached in B.C. class-action over alleged abuse at two Catholic schools](https://www.insuracarelife.com/blog/30m-settlement-reached-in-b-c-class-action-over-alleged-abuse-at-two-catholic-schools/): The lawsuit alleges that senior Christian Brothers transferred members with a known history of physical and sexual abuse from the Mount Cashel Orphanage in St. John’s, N.L., to Vancouver College and St. Thomas More between the mid‑1970s and early 1980s, where further abuse is alleged to have occurred. Six Christian Brothers, including Edward English, were […]
- [Employer Liability for Third Party Discrimination: A Reminder and Refresher on the Law | Spilman Thomas & Battle, PLLC](https://www.insuracarelife.com/blog/employer-liability-for-third-party-discrimination-a-reminder-and-refresher-on-the-law-spilman-thomas-battle-pllc/): With winter slowly fading out, some spring cleaning of old employment policies may be in order. Recent Title VII decisions should prompt wary employers to dust off their anti-discrimination and anti-harassment policies and reevaluate if they offer the necessary protection from not just employees who act inappropriately—but also third parties. Third party discrimination occurs when […]
- [Domaine Carneros in Napa Debuts 2026 Scent & Savor, An Immersive Wine Tour of Aromas and Taste Transformations](https://www.insuracarelife.com/blog/domaine-carneros-in-napa-debuts-2026-scent-savor-an-immersive-wine-tour-of-aromas-and-taste-transformations/): NAPA, Calif. /California Newswire – NEWS/ — Domaine Carneros invites wine lovers to experience its newest visitor offering, “Scent & Savor: A Wine Tour of Aromas and Taste Transformations,” now available by appointment daily. One of several distinctive food and wine pairing experiences offered to visitors at the property, Scent & Savor is a 90-minute […]
- [Captive insurer can't shake $116 million bad faith claims, court rules](https://www.insuracarelife.com/blog/captive-insurer-cant-shake-116-million-bad-faith-claims-court-rules/): At Oxford’s urging, the firm agreed to wait until April 2025 to refile, then agreed to another extension through June 16, 2025. In June 2025, Oxford’s general counsel allegedly told the firm it would not pay the claim in full. On June 10, 2025 – six days before the extended deadline – an insurance brokerage […]
- [New York AG Settles Ghost Network Investigation | Troutman Pepper Locke](https://www.insuracarelife.com/blog/new-york-ag-settles-ghost-network-investigation-troutman-pepper-locke/): New York Attorney General (AG) Letitia James reached a $2.5 million settlement with health insurer EmblemHealth following an investigation of the behavioral health provider “ghost networks.” “Ghost networks” are provider networks in which many of the providers listed in the insurer’s directory of “in-network” providers are actually unavailable, not accepting new patients, or not actually […]
- [What Are the Top Home Insurance Companies in the U.S.? Find Out Here!](https://www.insuracarelife.com/blog/what-are-the-top-home-insurance-companies-in-the-u-s/): When it comes to protecting your home, choosing the right home insurance company is one of the most important decisions you’ll make. Homeowners insurance provides vital coverage against potential damages, theft, and liability claims that could otherwise put your financial security at risk. But with so many options available, how do you know which home […]
- [The Dolby Theatre in Hollywood, Home of the Academy Awards, to Be Powered by On-Site Renewable Energy Starting 2027](https://www.insuracarelife.com/blog/the-dolby-theatre-in-hollywood-home-of-the-academy-awards-to-be-powered-by-on-site-renewable-energy-starting-2027/): CALIFORNIA NEWSWIRE – NEWS (HOLLYWOOD) — The Dolby Theatre in Hollywood announced today a major sustainability milestone: the 2027 Oscars ceremony and all other events and concerts starting in 2027, will be supported by on-site renewable energy and related infrastructure, marking a significant leap towards reducing the environmental footprint of one of the world’s most […]
- [Jeep Wrangler modifications solve crash-test tipping issue](https://www.insuracarelife.com/blog/jeep-wrangler-modifications-solve-crash-test-tipping-issue/): 
 
 
 
 The 2026 Jeep Wrangler 4-door remained upright during the driver-side small overlap crash test, resolving a longstanding issue with the popular SUV. 
 By 
 March 6, 2026 
 
 
 
 
 
 
 
 The 2026 Jeep Wrangler 4-door remained upright during the driver-side small overlap crash test, resolving […]
- [State Farm sues Amazon for $308k over battery charger fire claim](https://www.insuracarelife.com/blog/state-farm-sues-amazon-for-308k-over-battery-charger-fire-claim/): According to the filing, the insured purchased a SEIVI Rechargeable Batteries with Charger Compatible with Arlo Wireless Security Cameras from Amazon in June 2022. The product was listed under MORNGC but was stored, sold, and delivered by Amazon through its FBA program. About 18 months later, on or about December 21, 2023, the charger allegedly […]
- [OIG Issues New Compliance Guidance for Medicare Advantage | Rivkin Radler LLP](https://www.insuracarelife.com/blog/oig-issues-new-compliance-guidance-for-medicare-advantage-rivkin-radler-llp/): Last month, the U.S. Department of Health and Human Services’ Office of Inspector General (“OIG”) published Medicare Advantage Industry Segment-Specific Compliance Program Guidance (“Guidance”). OIG described the Guidance as “OIG’s updated and centralized source of voluntary compliance program guidance for Medicare Advantage.”[1] The impetus for creating the Guidance was “the growing popularity” and OIG’s “granular […]
- [Comedians with Disabilities Act Announces Spring 2026 Tour in San Diego and NW US](https://www.insuracarelife.com/blog/comedians-with-disabilities-act-announces-spring-2026-tour-in-san-diego-and-nw-us/): SAN DIEGO, Calif. /California Newswire – NEWS/ — The Comedians with Disabilities Act (CWDA), the groundbreaking comedy troupe that has been challenging perceptions and redefining humor since 2010, has announced its 2026 Spring Tour with stops in Montana, California, and Oregon. Tour Raises Funds for Upcoming Comedy Docu-Special – “Comedians with Disabilities Act: Going Beyond […]
- [IIHS calculator shows how better seat belt laws can boost safety in each state](https://www.insuracarelife.com/blog/iihs-calculator-shows-how-better-seat-belt-laws-can-boost-safety-in-each-state/): 
 
 
 
 A new online tool from IIHS uses statistical models to show how strengthening or weakening seat belt laws would affect belt use and fatality rates in each state. 
 By 
 March 3, 2026 
 
 
 
 

 
 A new online tool from the Insurance Institute for Highway Safety […]
- [Affordable Off-Season Insurance for Recreational Vehicles in Mexico](https://www.insuracarelife.com/blog/affordable-off-season-insurance-for-recreational-vehicles-in-mexico/): Understanding Recreational Vehicle Insurance in Mexico Recreational vehicle (RV) insurance in Mexico is a vital consideration for owners wishing to protect their investments. This insurance provides coverage for risk exposure associated with RV ownership such as theft, damage, and liability while traveling or parked. Owners should recognize that an RV is not just a vehicle […]
- [Meta's insurers win child harm defense battle in Delaware court](https://www.insuracarelife.com/blog/metas-insurers-win-child-harm-defense-battle-in-delaware-court/): Hartford Casualty Insurance Company filed suit in Delaware on November 1, 2024, seeking a declaration that it owed Meta nothing. Hartford had issued primary coverage to “The Face Book, Inc.” between 2004 and 2007. Sentinel Insurance Company, which covered “Instagram a/k/a Burbn, Inc.” from 2011 to 2012, joined as co-plaintiff. Several Chubb entities also participated, […]
- [ALTA/NSPS Key Changes And Updates In The 2026 Standards | Benesch](https://www.insuracarelife.com/blog/alta-nsps-key-changes-and-updates-in-the-2026-standards-benesch/): Key Takeaways The 2026 ALTA/NSPS Land Title Survey standards, effective February 23, 2026, introduce new requirements for how land title surveys are conducted, with expanded definitions, clarified documentation standards and updated procedures for both fieldwork and reporting. These changes increase the compliance burden and risk for commercial real estate transactions, making it essential for buyers, […]
- [Petco Love Invests $15K in Sacramento SPCA for 2026 to Save and Improve the Lives of Local Pets](https://www.insuracarelife.com/blog/petco-love-invests-15k-in-sacramento-spca-for-2026-to-save-and-improve-the-lives-of-local-pets/): SACRAMENTO, Calif. /California Newswire – NEWS/ — The Sacramento SPCA received a $15,000 grant investment from national nonprofit Petco Love in support of their lifesaving work for pets in Sacramento. “This investment by Petco Love allows us to continue providing affordable spay and neuter services for our community, reducing pet overpopulation across shelters throughout our […]
- [How to Get Lower Car Insurance in Georgia: Effective Strategies and Tips](https://www.insuracarelife.com/blog/how-to-get-lower-car-insurance-in-georgia/): Car insurance is a necessary expense for drivers, but with the rising cost of living, finding ways to reduce that expense without compromising your coverage is a common concern. Fortunately, there are multiple strategies available to help you lower car insurance premiums in Georgia, and this blog will guide you through the best practices. Whether […]
- [Gulf flashpoint squeezes marine insurance as reinsurers retreat on war risk](https://www.insuracarelife.com/blog/gulf-flashpoint-squeezes-marine-insurance-as-reinsurers-retreat-on-war-risk/): Similarly, Stephen Rudman, head of marine – Asia, at Aon, outlined some of the primary actions that have been taken including: issuance of formal notices of cancelation under standard seven-day war clauses on certain annual hull war policies; withdrawal or revision of existing quoted Additional Premiums (APs) for transits through listed high-risk areas; reinstatement of […]
- [CMS Issues Request for Information on Its Comprehensive “CRUSH” Anti-Fraud Initiative and Previews a Major Anti-Fraud Rulemaking | Foley Hoag LLP](https://www.insuracarelife.com/blog/cms-issues-request-for-information-on-its-comprehensive-crush-anti-fraud-initiative-and-previews-a-major-anti-fraud-rulemaking-foley-hoag-llp/): Key Takeaways: The CRUSH RFI is part of a broader, coordinated anti-fraud crackdown. On February 25, 2026, the administration announced a package of major anti-fraud actions, including a $259.5 million deferral of federal Medicaid funding to Minnesota, a nationwide six-month moratorium on new DMEPOS supplier enrollment in Medicare, and a Request for Information (RFI) soliciting […]
- [Recovery Rocks PODCAST: Sobriety Is Suddenly ‘Chic,’ But It’s Been in Fiction for Decades](https://www.insuracarelife.com/blog/recovery-rocks-podcast-sobriety-is-suddenly-chic-but-its-been-in-fiction-for-decades/): LOS ANGELES, Calif. /California Newswire – NEWS/ — Recent coverage in major outlets, including a New York Times feature on the rise of “sober party girls” and alcohol-free social spaces, has framed not drinking as a newly emerging cultural trend. From curated sober parties to alcohol-free bars and wellness-driven nightlife, sobriety is increasingly being rebranded […]
- [Allstate to present at the Raymond James Institutional Investors Conference on March 2](https://www.insuracarelife.com/blog/allstate-to-present-at-the-raymond-james-institutional-investors-conference-on-march-2/): NORTHBROOK, Ill., Feb. 23, 2026 – The Allstate Corporation (NYSE: ALL) announced that Jess Merten, President, Property-Liability, will present at the Raymond James 47th Annual Institutional Investors Conference at 6:30 a.m. CT on Monday, March 2.  A webcast of the presentation can be accessed at www.allstateinvestors.com. A replay will also be posted there shortly after […]
- [Travelers sues State National over refused defense in Scaffold Law claim](https://www.insuracarelife.com/blog/travelers-sues-state-national-over-refused-defense-in-scaffold-law-claim/): According to court filings, on July 1, 2022, a worker employed by Perennial was injured when a steel door he was removing collapsed on him, allegedly causing injuries to his lumbar and cervical spine that required two spinal surgeries. The worker sued Gilbane and Highbridge, alleging negligence and violations of New York Labor Law sections […]
- [How Much is Motorcycle Insurance for a 17-Year-Old in the United States?](https://www.insuracarelife.com/blog/how-much-is-motorcycle-insurance-for-a-17-year-old-in-the-united-states/): Introduction to Motorcycle Insurance Motorcycle insurance is a crucial aspect of owning and operating a motorcycle, providing financial protection in the event of accidents, theft, or damage. This type of insurance is designed to cover liability claims, property damage, and injuries sustained while riding. For young riders, particularly those who are just 17 years old […]
- [Employers: Request New Compensation Disclosures from Health Plan Service Providers | Haynes Boone](https://www.insuracarelife.com/blog/employers-request-new-compensation-disclosures-from-health-plan-service-providers-haynes-boone/): The recent budget legislation passed by Congress (“CAA 2026”) expands the types of service providers that must provide compensation disclosures to plan administrators of group health plans subject to ERISA. These are commonly referred to as “408(b)(2) disclosures” because they are required under Section 408(b)(2) of ERISA. Prior to CAA 2026, only brokers and consultants […]
- [Allstate expands year‑round identity protection, introduces industry‑first tools to help protect tax refunds](https://www.insuracarelife.com/blog/allstate-expands-year-round-identity-protection-introduces-industry-first-tools-to-help-protect-tax-refunds/): Key takeaways: Allstate reports identity theft cases increased 50% over the past two tax seasons, with adults in their 20s reporting more cases than other generations. Allstate Identity Protection plans safeguard customers’ personal information with around-the-clock monitoring to detect fraud and restore identities as identity theft risks rise. Allstate’s industry-first stolen tax refund advance gives […]
- [Steadfast Group's half-year surge signals a tougher, more tech-driven future for brokers](https://www.insuracarelife.com/blog/steadfast-groups-half-year-surge-signals-a-tougher-more-tech-driven-future-for-brokers/): Steadfast’s international businesses, meanwhile, posted a sharp step-up in net revenue to $56.4 million, up 220.5%, helped by acquisitions and strong performance in specialty lines, including a contribution from Novum Underwriting Partners, acquired in August 2025, which the group said produced more than US$140 million in GWP and 60% organic growth. In a market where […]
- [Pennsylvania Supreme Court Holds That Pennsylvania’s Bad Faith Statute Does Not Apply To Surety Bonds | Houston Harbaugh, P.C.](https://www.insuracarelife.com/blog/pennsylvania-supreme-court-holds-that-pennsylvanias-bad-faith-statute-does-not-apply-to-surety-bonds-houston-harbaugh-p-c/): Pennsylvania’s bad‑faith statute, 42 Pa. C.S.A. § 8371, permits insureds to recover certain damages in “action[s] arising under an insurance policy … [if] the insurer has acted in bad faith towards the insured ….” In Eastern Steel Constructors, Inc. v. Inter’l. Fidelity Ins. Co., __ A.3d __, 2026 WL 457805 (Pa. Feb. 18, 2026), the […]
- [Solo Aging Expert Dr. Sara Zeff Geber to Lead Seminar at Hillcrest LaVerne on Planning for Secure Future](https://www.insuracarelife.com/blog/solo-aging-expert-dr-sara-zeff-geber-to-lead-seminar-at-hillcrest-laverne-on-planning-for-secure-future/): LA VERNE, Calif. /California Newswire – NEWS/ — Hillcrest, a senior living community in La Verne, Calif., is hosting nationally recognized solo aging expert Dr. Sara Zeff Geber, PhD, founder of LifeEncore, for an educational seminar focused on preparing solo agers for the future. The free event will take place on Thursday, Feb. 26, from […]
- [January 2026 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/january-2026-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., February 19, 2026 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of January of $175 million or $138 million, after-tax, primarily related to Winter Storm Fern. Allstate Protection policies in force are as follows: Allstate Protection Policies in Force* in thousands January 31, 2026 December 31, 2025 January […]
- [Pennsylvania Supreme Court blocks bad faith lawsuits against surety bond issuers](https://www.insuracarelife.com/blog/pennsylvania-supreme-court-blocks-bad-faith-lawsuits-against-surety-bond-issuers/): Eastern filed for arbitration in November 2010, repeatedly notifying Fidelity and inviting its participation. Fidelity declined every time. When Ionadi filed for bankruptcy in October 2011, Eastern got the bankruptcy court to lift the automatic stay. The arbitration proceeded with neither Ionadi nor Fidelity defending. The arbitrator awarded Eastern $433,489.42, including the unpaid work, $68,299.08 […]
- [New Jersey Slip and Fall Update – The Ongoing Storm Rule/Defense | Weber Gallagher Simpson Stapleton Fires & Newby LLP](https://www.insuracarelife.com/blog/new-jersey-slip-and-fall-update-the-ongoing-storm-rule-defense-weber-gallagher-simpson-stapleton-fires-newby-llp/): When the weather outside is frightful, certain property owners can now enjoy their fireplaces and hot cocoa a little longer before running for the salt and snow shovels. In Pareja v. Princeton International Properties, 246 N.J. 546 (2021), a premises case where the plaintiff slipped and fell on ice while walking on a driveway apron […]
- [Allstate announces preferred dividends payable April 15, 2026](https://www.insuracarelife.com/blog/allstate-announces-preferred-dividends-payable-april-15-2026/): NORTHBROOK, Ill., Feb. 20, 2026 – The Allstate Corporation (NYSE: ALL) declared approximately $29.3 million in aggregate dividends on three series of preferred stock for the dividend period from Jan. 15, 2026, through April 14, 2026. All the preferred dividends are payable in cash on April 15, 2026, to stockholders of record at the close […]
- [QBE lifts profits above $2 billion with best underwriting result in years](https://www.insuracarelife.com/blog/qbe-lifts-profits-above-2-billion-with-best-underwriting-result-in-years/): Outside catastrophe experience, QBE’s underlying claims performance was broadly stable, with an ex-cat claims ratio of 59.8% (from 59.7%). The company noted that, stripping out risk adjustment and Crop, the ex-cat claims ratio rose to 54.9% from 53.0%, citing adverse experience in some portfolios, elevated large losses and business mix shift. That commentary is a […]
- [The Privacy Map Expands: Michigan Emerges in Website Tracking Litigation | Miller Canfield](https://www.insuracarelife.com/blog/the-privacy-map-expands-michigan-emerges-in-website-tracking-litigation-miller-canfield/): A putative class action against Blue Cross Blue Shield of Michigan (BCBSM) has been filed in the Eastern District of Michigan alleging that commonplace website tracking and session replay tools violate both federal and Michigan wiretap and eavesdropping laws. The case, Falls v. Blue Cross Blue Shield of Michigan Mutual Insurance Company, joins nearly 4,000 […]
- [Can I Cancel My Car Insurance at Any Time? Here's What You Need to Know](https://www.insuracarelife.com/blog/can-i-cancel-my-car-insurance-at-any-time/): Car insurance is a necessity for every driver, offering financial protection in the event of accidents, damage, or theft. However, life changes, and sometimes the question arises: Can I cancel my car insurance at any time? Whether you’re switching to another provider, selling your car, or simply looking for ways to save money, understanding how […]
- [What Disqualifies You from Long-Term Care Insurance?](https://www.insuracarelife.com/blog/what-disqualifies-you-from-long-term-care-insurance/): Introduction to Long-Term Care Insurance Long-term care insurance (LTCI) serves a crucial role in the financial planning landscape, particularly as individuals consider their healthcare needs in later stages of life. This type of insurance is designed to help cover the costs associated with long-term care services that are not typically addressed by traditional health insurance […]
- [Secured Signing Reaches Major Milestone for New Year: Now SOC 2 Type 2 Compliant](https://www.insuracarelife.com/blog/secured-signing-reaches-major-milestone-for-new-year-now-soc-2-type-2-compliant/): MOUNTAIN VIEW, Calif. /California Newswire – NEWS/ — Secured Signing, a leader in Digital Signatures and Remote Online Notarization (RON) solutions, is proud to announce that it has officially achieved SOC 2® Type 2 compliance. This isn’t just another certificate on the wall. Following a grueling, comprehensive audit by the experts at Sensiba LLP, this […]
- [Iowa State center Audi Crooks leads the 2025-26 Allstate NACDA Winter Good Works Team, recognizing 20 student-athletes giving back to their communities](https://www.insuracarelife.com/blog/iowa-state-center-audi-crooks-leads-the-2025-26-allstate-nacda-winter-good-works-team-recognizing-20-student-athletes-giving-back-to-their-communities/): Key takeaways Allstate and NACDA named 20 student-athletes to the 2025-26 Winter Good Works Team for their community service and leadership. Iowa State’s Audi Crooks was selected team captain for her foundation’s work supporting youth and families in Iowa. The Allstate NACDA Good Works Team was created to spotlight and reward student-athletes for their outstanding […]
- [Motel owner sues insurer alleging it lowballed storm damage by $175k](https://www.insuracarelife.com/blog/motel-owner-sues-insurer-alleging-it-lowballed-storm-damage-by-175k/): Field adjuster Clayton McGrath initially estimated covered damage to the roof, front elevation, and right elevation at just $1,307.47, falling well short of the $10,705.00 deductible. A joint inspection followed on or around April 30, 2025, involving engineers retained by both sides. Tim Rodriguez, P.E. with Keystone Experts and Engineers, inspecting on behalf of Great […]
- [Texas Regulatory Action Underscores Insurer Accountability for TPA Compliance | Polsinelli](https://www.insuracarelife.com/blog/texas-regulatory-action-underscores-insurer-accountability-for-tpa-compliance-polsinelli/): Key Takeaways: A Florida-based insurer was recently fined by the Texas Department of Insurance for failing to ensure the competent administration of its programs by working with an unlicensed TPA and failing to conduct statutorily required semiannual reviews and biennial on-site audits of the TPA. The insurer entered into a Consent Order with the Department […]
- [Hillcrest Gallery in La Verne Showcases Ganesha High School Student Art Honoring Black History Month](https://www.insuracarelife.com/blog/hillcrest-gallery-in-la-verne-showcases-ganesha-high-school-student-art-honoring-black-history-month/): LA VERNE, Calif. /California Newswire – NEWS/ — The Gallery at Hillcrest will host an on-site showcase of advanced art by Ganesha High School students in grades 10 through 12, opening February 20 in celebration of Black History Month. Hillcrest is a nonprofit senior community that supports local artists through its on-campus gallery. Titled “Acknowledgement […]
- [Alabama adopts group capital calculation exemption and limited filing options](https://www.insuracarelife.com/blog/alabama-adopts-group-capital-calculation-exemption-and-limited-filing-options/): The rule states that the lead state commissioner may grant an exemption where an insurance holding company system meets all listed criteria. This includes having annual direct written and unaffiliated assumed premium (including international direct and assumed premium), excluding premiums reinsured with the Federal Crop Insurance Corporation and Federal Flood Program, of less than $1,000,000,000; […]
- [Reimagining Employer-Sponsored Healthcare with Jack Hill of Nomi Health | Blank Rome LLP](https://www.insuracarelife.com/blog/reimagining-employer-sponsored-healthcare-with-jack-hill-of-nomi-health-blank-rome-llp/): BRight Minds in Healthcare Delivery invites industry leaders to discuss the latest trends and hot topics in healthcare strategy, delivery, and innovation. Listen in as industry experts, thought leaders, and innovators consider how to disrupt the way that millions of Americans receive healthcare. Season 2, Episode 2: Reimagining Employer-Sponsored Healthcare with Jack Hill of Nomi […]
- [The Staging Collective notes challenges that virtual staging creates for consumers in purchasing homes every day](https://www.insuracarelife.com/blog/the-staging-collective-notes-challenges-that-virtual-staging-creates-for-consumers-in-purchasing-homes-every-day/): NAPA, Calif. /California Newswire -NEWS/ — The Staging Collective, a growing organization of more than 45 leading staging companies in North America, sees the challenges that virtual staging creates for consumers in purchasing homes every day. Though there is growing investment in virtual and AI design tools, particularly at Zillow, this group of business owners […]
- [Washington Senate advances Kuderer wildfire risk score disclosure bill](https://www.insuracarelife.com/blog/washington-senate-advances-kuderer-wildfire-risk-score-disclosure-bill/): Senate Bill 5928 would require insurance companies, when they use third-party wildfire risk scores in home insurance, to disclose the wildfire risk scores, explain the factors behind the score, and provide plain-language steps consumers can take to improve their score. It would also allow property owners to appeal decisions where they have completed mitigation work […]
- [Acquisitions of (Re)insurance Undertakings by Private Equity Funds – Supervisory Statement of EIOPA | Mayer Brown](https://www.insuracarelife.com/blog/acquisitions-of-reinsurance-undertakings-by-private-equity-funds-supervisory-statement-of-eiopa-mayer-brown/): [co-author: Francesco Faccendini] On 27 January 2026, the European Insurance and Occupational Pensions Authority (EIOPA) provided a Consultation Paper on a Supervisory Statement addressed to national supervisory authorities with the aim of ensuring high-quality, convergent, and risk-based supervision of (re)insurance undertakings in the EU by raising awareness of current issues. The issue that currently concerns […]
- [How insurers transform through technology and partnerships](https://www.insuracarelife.com/blog/how-insurers-transform-through-technology-and-partnerships/): Carbone highlights personal auto telematics as a case in point. Usage-based insurance (UBI) in North America initially focuses on pricing sophistication, but the broader potential of telematics can influence distribution, compliance, and claims. “If you keep this new technology limited only to pricing, the impact is pretty limited. The agents need to be on board, […]
- [Reps and Warranties Insurance Limits: Rethinking the 10% Rule | Gallagher](https://www.insuracarelife.com/blog/reps-and-warranties-insurance-limits-rethinking-the-10-rule-gallagher/): “How much limit should we buy?” This is a perennial question in the world of reps and warranties insurance (RWI). For years, the shorthand answer has been 10% of enterprise value. But as with many rules of thumb, it’s worth asking — does it still hold up? The short answer: not always. The longer answer? […]
- [The Mortgage Collaborative and MBA announce partnership agreement](https://www.insuracarelife.com/blog/the-mortgage-collaborative-and-mba-announce-partnership-agreement/): SAN DIEGO, Calif. /California Newswire – NEWS/ — The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders and the Mortgage Bankers Association (MBA), the national association representing the real estate finance industry, announced today that they have entered into a strategic partnership to expand advocacy, education and engagement opportunities for their […]
- [Re/insurance claims in transition: Navigating legal shifts, emerging risks, and the road ahead](https://www.insuracarelife.com/blog/re-insurance-claims-in-transition-navigating-legal-shifts-emerging-risks-and-the-road-ahead/): The statements presented here reflect projections based on assumptions and forecasts, and is intended for information purposes only. They are not intended to be legal, underwriting, financial or any other type of professional advice and the recipient should consult with its own counsel or other advisors to verify the accuracy and completeness of any information […]
- [Key Takeaways from the California Public Utilities Commission SB 254 Wildfire Report | Nossaman LLP](https://www.insuracarelife.com/blog/key-takeaways-from-the-california-public-utilities-commission-sb-254-wildfire-report-nossaman-llp/): The California Public Utilities Commission (Commission) recently issued its Senate Bill 254 Information and Recommendations (Report) in response to Executive Order N-34-25 and the recent Senate Bill 254 (Becker, 2025) (SB 254) which overhauled California’s approach to wildfires. The Report warns that the current system is unsustainable and calls for a fundamental shift in how […]
- [The Mortgage Collaborative releases final 2025 Pulse of the Network survey results and analysis](https://www.insuracarelife.com/blog/the-mortgage-collaborative-releases-final-2025-pulse-of-the-network-survey-results-and-analysis/): SAN DIEGO, Calif. /California Newswire – NEWS/ — The Mortgage Collaborative (TMC), the nation’s leading independent cooperative network for mortgage lenders, today released results from the latest Pulse of the Network survey, along with an analysis examining how mortgage lenders are prioritizing technology, operational efficiency, and growth strategies amid continued market pressure. The recent survey […]
- [Health Care Week in Review | FDA and CMS Announce New Program to Accelerate Medicare Coverage of Breakthrough Medical Devices; CMS Administrator Oz Asks All 50 States to Revalidate High-Risk Medicaid Providers | Alston & Bird](https://www.insuracarelife.com/blog/health-care-week-in-review-fda-and-cms-announce-new-program-to-accelerate-medicare-coverage-of-breakthrough-medical-devices-cms-administrator-oz-asks-all-50-states-to-revalidate-high-risk-medicaid/): Below is Alston & Bird’s Health Care Week in Review, which provides a synopsis of the latest news in health care regulations, notices, and guidance; federal legislation and congressional committee action; reports, studies, and analyses; and other health policy news. Highlight of the Week This week, FDA and CMS unveiled the “RAPID” coverage pathway to […]
- [State Farm beats 90,000-member class action over total-loss car valuations](https://www.insuracarelife.com/blog/state-farm-beats-90000-member-class-action-over-total-loss-car-valuations/): After Clippinger sued, State Farm triggered the appraisal clause in the insurance policy, which allows either side to seek a binding independent valuation if they cannot agree on the payout. Three appraisers produced three different numbers. State Farm’s appraiser came in at $14,432 – actually below the original payout. Clippinger’s appraiser said $17,756.69. The neutral third appraiser landed […]
- [[Webinar] Independent Dispute Resolution (IDR) Key Updates, Trends, and Outlook for 2026 - May 11th, 10:00 am - 11:00 am ET | Harris Beach Murtha](https://www.insuracarelife.com/blog/webinar-independent-dispute-resolution-idr-key-updates-trends-and-outlook-for-2026-may-11th-1000-am-1100-am-et-harris-beach-murtha/): May 11th, 2026 10:00 AM – 11:00 AM ET Recent litigation and regulatory challenges surrounding the Independent Dispute Resolution (IDR) process—including the Halo complaint and similar actions brought by managed care organizations—highlight growing scrutiny of provider IDR practices. Health plans are increasingly alleging that providers have submitted excessive, ineligible, or even fraudulent IDR filings, raising […]
- [Allianz Partners names two to board](https://www.insuracarelife.com/blog/allianz-partners-names-two-to-board/): According to a news release, Hoffman brings nearly two decades of experience within the Allianz Group, having served in senior roles including head of insurance Ibero-LatAm and director of financial consulting and investment risk principal at Allianz Life Insurance North America. Since 2019, he has served as CFO of Allianz Direct, where he helped establish […]
- [2025 NJ Statutory Updates: Part 3 | McCarter & English, LLP](https://www.insuracarelife.com/blog/2025-nj-statutory-updates-part-3-mccarter-english-llp/): We conclude our statutory update with seven bills that were introduced and passed by the New Jersey Senate and Assembly in 2025 but were not approved until early January 2026. NJ Interstate Physician Assistant Licensure Compact On January 9, 2026, the New Jersey Legislature approved Bill A4328, published as P.L.2025, c.198 (N.J.S.A. §§ 45:9-27.29 et […]
- [Allstate sues Surgery Partners, alleges Florida surgery centers ran billing scheme](https://www.insuracarelife.com/blog/allstate-sues-surgery-partners-alleges-florida-surgery-centers-ran-billing-scheme/): That, in essence, is the story Allstate tells in a lawsuit filed on April 17, 2026 in the US District Court for the Middle District of Florida. The insurer’s targets include Surgery Partners, Inc., an anesthesia group known as Anesthesiology Professional Services, Inc., and a roster of surgical and pain-management centers operating under familiar local names: Lake Worth Surgical Center, The Gables Surgical Center, Jacksonville […]
- [Clark Hill 2026 Commercial Real Estate Market Update: ESG & Sustainability Considerations for Commercial Real Estate in 2026 | Clark Hill PLC](https://www.insuracarelife.com/blog/clark-hill-2026-commercial-real-estate-market-update-esg-sustainability-considerations-for-commercial-real-estate-in-2026-clark-hill-plc/): While economic and policy uncertainty may persist, environmental, social, and governance (ESG) and sustainability considerations have become fundamental components of asset resilience and long-term valuation, particularly as the commercial real estate (CRE) industry faces rising insurance costs and the physical risks of climate change. This has contributed to increasingly stringent underwriting requirements of institutional lenders […]
- [The brokerage industry’s litigation epidemic: When poaching becomes a business model](https://www.insuracarelife.com/blog/the-brokerage-industrys-litigation-epidemic-when-poaching-becomes-a-business-model/): Since launching in August 2025, Howden has hired an estimated 500+ staff from rivals, triggering lawsuits from Marsh, Aon, WTW, Brown & Brown and Alliant. All names below are confirmed via court filings or multiple trade press sources. Click any row for detail. Wave 1 – Launch   Jul-Aug 2025 Wave 2 – Build-out   […]
- [Understanding Medicare Revalidation Requirements | Rivkin Radler LLP](https://www.insuracarelife.com/blog/understanding-medicare-revalidation-requirements-rivkin-radler-llp/): In accordance with 42 C.F.R. § 424.515, all healthcare providers participating in Medicare are required to periodically revalidate their enrollment records with the Centers for Medicare & Medicaid Services (CMS) in order to maintain Medicare billing privileges. This routine process requires providers to confirm and, if necessary, update their enrollment information. Revalidation generally occurs every five […]
- [New York targets insurance agents, adjusters, and auto premiums in three new bills](https://www.insuracarelife.com/blog/new-york-targets-insurance-agents-adjusters-and-auto-premiums-in-three-new-bills/): The most substantive of the three is Senate Bill 10017, filed by Senator Bailey on April 22. It targets Section 4228 of the Insurance Law, the provision that sets the rules for how life insurance and annuity companies pay their agents and brokers. Under the current law, the superintendent is required to periodically adjust the caps on […]
- [When the Network Goes Dark: Why Communication Outages Are Becoming a Critical Risk for CRE Assets | Womble Bond Dickinson](https://www.insuracarelife.com/blog/when-the-network-goes-dark-why-communication-outages-are-becoming-a-critical-risk-for-cre-assets-womble-bond-dickinson/): When the Verizon nationwide outage struck earlier this year, millions of mobile users across the country were abruptly cut off from their primary, if not only, means of communication. For many, this was an inconvenience. For commercial real estate (CRE) owners, operators, and property managers, it should serve as a sobering warning of the life […]
- [Hawai'i court upholds Lloyd's dismissal in volcanic eruption insurance dispute](https://www.insuracarelife.com/blog/hawaii-court-upholds-lloyds-dismissal-in-volcanic-eruption-insurance-dispute/): The dispute traces back to a volcanic eruption that damaged properties on the island of Hawai’i. Michael W. Hale, along with Gregory C. Dencker, Carol K. Dencker, and Champagne Cove, LLC, filed insurance claims and eventually sued a long list of defendants, including Lloyd’s, several of its syndicates, and a handful of insurance intermediaries such […]
- [Cyber Risk in Asia Moves from Technical Threat to Enterprise Liability and Insurance Imperative | Morgan Lewis](https://www.insuracarelife.com/blog/cyber-risk-in-asia-moves-from-technical-threat-to-enterprise-liability-and-insurance-imperative-morgan-lewis/): Cyber risk has become a defining enterprise challenge for companies operating in Asia. A recent regional risk survey underscores what many boards and risk leaders already recognize: cyber attacks and data breaches remain at the top of business risk rankings, alongside supply chain disruption, natural disasters, and geopolitical volatility. Across Asia’s highly digitized and interconnected […]
- [Ninth Circuit blows open $162 million legacy policy fight over aggregate limits](https://www.insuracarelife.com/blog/ninth-circuit-blows-open-162-million-legacy-policy-fight-over-aggregate-limits/): The facts go back a long way. During World War II, the federal government leased and later expanded the Chino Airport for wartime operations, including the dismantling and melting of surplus aircraft into ingots. Those activities generated significant industrial waste that was discharged into the ground. In the 1960s and 70s, during the Vietnam War, tenants at […]
- [Texas Appellate Court Applies Pollution and Contamination Exclusion to Bar COVID-19 Business Interruption Coverage Under Property Policy | Wiley Rein LLP](https://www.insuracarelife.com/blog/texas-appellate-court-applies-pollution-and-contamination-exclusion-to-bar-covid-19-business-interruption-coverage-under-property-policy-wiley-rein-llp/): The Texas Court of Appeals for the Fourteenth District affirmed summary judgment under Texas law holding that a commercial property policy’s “pollution and contamination exclusion” barred coverage for COVID 19 business interruption losses. Houston Livestock Show & Rodeo, Inc. v. Nat’l Fire & Marine Ins. Co., 2026 WL 873050 (Tex. App. Mar. 31, 2026). The […]
- [US Fire sues electrical contractor and spouses to claw back $1.8M on bonds](https://www.insuracarelife.com/blog/us-fire-sues-electrical-contractor-and-spouses-to-claw-back-1-8m-on-bonds/): The backstory, as told in the filing, is familiar to anyone who has worked a surety claim. US Fire says it agreed to back Palace based on a General Indemnity Agreement signed on or about December 28, 2015, and later amended on March 1, 2019. On the strength of that deal, the surety says it executed around […]
- [Virginia’s Workplace Changes for Employers: Paid Family Leave | Jackson Lewis P.C.](https://www.insuracarelife.com/blog/virginias-workplace-changes-for-employers-paid-family-leave-jackson-lewis-p-c/): Takeaways Virginia is expanding employer obligations through a paid family and medical leave insurance program, with contributions beginning in 2028. Employers should review leave policies, update payroll systems and prepare for new notice and compliance requirements. Related links Article Virginia’s 2026 General Assembly was one of the busiest seasons for employers. On April 22, 2026, […]
- [Texas Farmers hits A.O. Smith with suit over alleged water heater defect](https://www.insuracarelife.com/blog/texas-farmers-hits-a-o-smith-with-suit-over-alleged-water-heater-defect/): Farmers is pursuing three theories. First, negligence – that A.O. Smith didn’t take reasonable care in designing, testing, and marketing the heater, and didn’t give consumers clear enough warnings or instructions. Second, strict product liability – covering design defects, manufacturing defects, component defects, and a failure to warn, with Farmers alleging a safer alternative design was available and economically viable when the unit was built. […]
- [The LEAD Model - Kidney Care’s Value-Based Care Journey LEADs Here | Benesch](https://www.insuracarelife.com/blog/the-lead-model-kidney-cares-value-based-care-journey-leads-here-benesch/): Key Benefits for Kidney Care Providers: Chronic Kidney Disease (“CKD”) and End-Stage Renal Disease (“ESRD”) patients are part of standard ACO populations, rather than being set apart in a separate model 10-year duration with no benchmark rebasing High-needs patient support and flexibility Non-Primary Care Capitation (“NPCC”) to pay nephrologists or dialysis providers a flat monthly […]
- [Managing today's complex risks | Insurance Business](https://www.insuracarelife.com/blog/managing-todays-complex-risks-insurance-business/): 00:11 Insurance Business TV recently attended in Scottsdale the 25th annual TMPAA 00:09 annual summit. Whilst there, we caught up with leading insurance professionals to address some of the top challenges 00:17 the industry is facing today. Hello, I’m here with Raymond Hannan, EVP and chief of corporate underwriting at Westfield 00:26 Specialty. Raymond, we’re […]
- [Federal Court Orders Broad Discovery Against UHC in AI Coverage Denial Lawsuit | ArentFox Schiff](https://www.insuracarelife.com/blog/federal-court-orders-broad-discovery-against-uhc-in-ai-coverage-denial-lawsuit-arentfox-schiff/): In a recent ruling out of the District of Minnesota, a federal magistrate judge directed UnitedHealthcare (UHC) to turn over an expansive set of documents in the class action Estate of Lokken v. UnitedHealth Group, Inc., alleging that the health insurer used an artificial intelligence (AI) algorithm to improperly withhold post-acute care coverage from Medicare […]
- [Virginia mandates insurers to document every loss estimate cut over $3,000](https://www.insuracarelife.com/blog/virginia-mandates-insurers-to-document-every-loss-estimate-cut-over-3000/): The statute’s existing provisions on auto claims are also worth noting for context. Virginia already requires that motor vehicle damage appraisals be based on a personal inspection by a representative of the repair facility or a representative of the insurer making the appraisal, though insurers are permitted to prepare an initial repair appraisal from photographs, videos, or electronically transmitted […]
- [The significance of the proposed CJR-X model: What it could mean for hospitals going forward | McDermott+](https://www.insuracarelife.com/blog/the-significance-of-the-proposed-cjr-x-model-what-it-could-mean-for-hospitals-going-forward-mcdermott/): McDermott+ is pleased to bring you Regs & Eggs, a weekly Regulatory Affairs blog by Jeffrey Davis. April 22, 2026 –On April 10, 2026, the Centers for Medicare & Medicaid Services (CMS) issued the fiscal year 2027 Inpatient Prospective Payment System (IPPS) proposed rule – the major annual rule impacting Medicare inpatient payments. This 1,500+ page rule proposes […]
- [Why non-payment risk is suddenly brokers' biggest conversation](https://www.insuracarelife.com/blog/why-non-payment-risk-is-suddenly-brokers-biggest-conversation/): Australia and New Zealand sit firmly inside that pattern. Apolline Greiveldinger (pictured centre), Coface’s economist for Australia and New Zealand, said that persistent Middle East tensions were adding inflationary pressure and raising the risk of a stronger tightening cycle from the Reserve Bank of Australia (RBA) – higher borrowing costs that would feed straight back into […]
- [California Intervenor Reforms Move to Final Review as CDI Submits Proposition 103 Rulemaking | Troutman Pepper Locke](https://www.insuracarelife.com/blog/california-intervenor-reforms-move-to-final-review-as-cdi-submits-proposition-103-rulemaking-troutman-pepper-locke/): [co-author: Dani D’Annunzio] On April 20, 2026, the California Department of Insurance (CDI) announced that it has submitted its Intervenor and Administrative Hearing Bureau Fairness and Accountability rulemaking package to the Office of Administrative Law (OAL) for final review. CDI describes this package as the most significant modernization of California’s intervenor system since Proposition 103 […]
- [Secured Signing offers tips for the smart move in 2026, an affordable e-Signature and Online Notary System](https://www.insuracarelife.com/blog/secured-signing-offers-tips-for-the-smart-move-in-2026-an-affordable-e-signature-and-online-notary-system/): CALIFORNIA NEWSWIRE (MOUNTAIN VIEW, Calif.) — NEWS: A widespread shift in business technology is driving organizations across legal, financial services, staffing, governments, life science, and corporate sectors to rethink how they manage data, workflows, and document execution, says Secured Signing. As companies migrate from legacy systems, integrated all-in-one e-Signature and online notary solutions are emerging […]
- [Agency accuses EverQuote of hijacking its name in Google ads](https://www.insuracarelife.com/blog/agency-accuses-everquote-of-hijacking-its-name-in-google-ads/): Here is where the trouble begins, at least as Solo tells it. In or around June 2025, the agency claims EverQuote paid Google to run a sponsored ad that popped up as the very first result whenever someone searched “solo insurance.” The ad, according to the complaint, was headed “Solo Insurance?” Click it, and you […]
- [Client Alert: The Government May Actually Be Here to Help – Health Insurance Portability and Accountability Act of 1996 (HIPAA) Part IV | Shumaker, Loop & Kendrick, LLP](https://www.insuracarelife.com/blog/client-alert-the-government-may-actually-be-here-to-help-health-insurance-portability-and-accountability-act-of-1996-hipaa-part-iv-shumaker-loop-kendrick-llp/): The United States Department of Health and Human Services (HHS) provides a helpful set of questions and answers on its website regarding the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Professionals should note that this guidance is informal and may be updated or withdrawn and may differ from state laws. It is important […]
- [Court affirms employer workers' comp lien on full asbestos tort settlement](https://www.insuracarelife.com/blog/court-affirms-employer-workers-comp-lien-on-full-asbestos-tort-settlement/): The case centered on Stephen M. Dodge, a longtime state employee who was exposed to airborne asbestos fibers both on the job and at home over the course of several decades. Dodge worked as a custodian for the Town of Manchester during the summer of 1967, sweeping and buffing asbestos-containing flooring. He then spent 30 years, from 1973 to […]
- [Texas Turns Up Heat on Medicaid Fraud | Polsinelli](https://www.insuracarelife.com/blog/texas-turns-up-heat-on-medicaid-fraud-polsinelli/): Key Takeaways: Texas has launched investigations into dozens of Medicaid providers using newly released federal claims data, marking a significant expansion of data-driven enforcement. The initiative signals heightened enforcement risk for providers, particularly in home health, occupational therapy and COVID-19-related services. Providers should expect more proactive investigations and potential enforcement actions as federal and state […]
- [The smoke-free generation and what it could mean for insurance](https://www.insuracarelife.com/blog/the-smoke-free-generation-and-what-it-could-mean-for-insurance/): If you model a generation in which the smoking prevalence rate falls to near zero — not through gradual social change, but through a legal floor that prevents uptake entirely — the downstream effects on life insurance mortality, on health insurance claims frequency, on critical illness payouts for lung cancer, heart disease, and chronic obstructive […]
- [For Those About to Agentic, We Salute You! Of Mythos and Agentic AI. | Nelson Mullins Riley & Scarborough LLP](https://www.insuracarelife.com/blog/for-those-about-to-agentic-we-salute-you-of-mythos-and-agentic-ai-nelson-mullins-riley-scarborough-llp/): Agentic AI holds as much promise as it does risk. Frontier models are becoming more and more powerful. In fact, on April 7, Anthropic published a 245-page system card for Claude Mythos Preview, a frontier AI model that the company disclosed was so capable that it successfully escaped a secured sandbox during testing and, without […]
- [Alberta to make daylight saving time permanent](https://www.insuracarelife.com/blog/alberta-to-make-daylight-saving-time-permanent/): 
 
 
 Newfoundland and Labrador 
 
 
 Observes DST. Clocks go forward at 02:00 Newfoundland Standard Time (NST) on the second Sunday in March and back at 02:00 Newfoundland Daylight Time (NDT) on the first Sunday in November. 
 
 
 No specific provincial exceptions noted in the federal table. 
 
 
 […]
- [IAIS Publishes Report on Second Targeted Jurisdictional Assessment of Implementation of Holistic Framework Supervisory Material | Skadden, Arps, Slate, Meagher & Flom LLP](https://www.insuracarelife.com/blog/iais-publishes-report-on-second-targeted-jurisdictional-assessment-of-implementation-of-holistic-framework-supervisory-material-skadden-arps-slate-meagher-flom-llp/): Executive Summary What’s new: The IAIS has published its second Targeted Jurisdictional Assessment, evaluating the implementation of the holistic framework for the assessment and mitigation of systemic risk in the insurance sector in Australia, Bermuda, Italy, Singapore, South Africa and Spain. Why it matters: The findings reveal significant progress in implementing the holistic framework standards […]
- [Delaware adopts surplus lines export list, eases broker search requirements](https://www.insuracarelife.com/blog/delaware-adopts-surplus-lines-export-list-eases-broker-search-requirements/): The list itself reads like a catalog of hard-to-place risks that surplus lines professionals will recognize immediately. It includes active assailant coverage, environmental impairment and pollution liability, flood insurance, and medicinal and recreational cannabis chain risks. Amusement-related exposures are well represented, covering everything from amusement devices and animal rides to casino and gaming risks and recreational and sporting […]
- [2026 New York Insurance Academy Key Takeaways | Haynes Boone](https://www.insuracarelife.com/blog/2026-new-york-insurance-academy-key-takeaways-haynes-boone/): Thank you to everyone who attended our second annual New York Insurance Academy on April 16. For more details about this event, click here.  Below, you will find a recap and key takeaways.  Digital assets and blockchain are here to stay, and insurance carriers are eager to provide coverage to these emerging industries. Alongside adoption, […]
- [Liberty Mutual accuses Queens clinic network of $845,000 No-Fault billing scheme](https://www.insuracarelife.com/blog/liberty-mutual-accuses-queens-clinic-network-of-845000-no-fault-billing-scheme/): The case, brought by Liberty Mutual and nine affiliated carriers, names six provider entities – a medical practice, three chiropractic offices and two physical therapy operations – along with the licensed professionals whose names sat on the door and a group of unlicensed individuals described in the filing as the “Management Defendants.”  All of them […]
- [Holland & Knight Health Dose: April 21, 2026 | Holland & Knight LLP](https://www.insuracarelife.com/blog/holland-knight-health-dose-april-21-2026-holland-knight-llp/): Looking Ahead The U.S. Congress remains in session with healthcare activity continuing to center on budget oversight and committee hearings. U.S. Department of Health and Human Services (HHS) Secretary Robert F. Kennedy Jr. is scheduled to appear before the U.S. House of Representatives Committee on Energy and Commerce, as well as the U.S. Senate Committee […]
- [TMC to host act Tech Summit, a high-value event for evaluating latest mortgage technologies](https://www.insuracarelife.com/blog/tmc-to-host-act-tech-summit-a-high-value-event-for-evaluating-latest-mortgage-technologies/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — NEWS: The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, will host its act Tech Summit on Aug. 12-13, bringing together mortgage industry leaders, technology providers and decision-makers for an affordable, high-value opportunity to evaluate technology partners and solutions in a single setting. The event […]
- [A strategic tool in the toolbox, not a shortcut: AI must always be deployed with intent](https://www.insuracarelife.com/blog/a-strategic-tool-in-the-toolbox-not-a-shortcut-ai-must-always-be-deployed-with-intent/): ‘The customer needs to be involved in the process’ This framing, starting with a fully automated vision, acts as a strategic exercise rather than a literal goal. It allows insurers to map out possibilities before making deliberate decisions about where human involvement remains essential. As Walsh told IB, the claims journey isn’t just an operational […]
- [Final Rule Exempts ICHRAs and Other Account-Based Plans from Medicare Part D-Creditable Coverage Notice | Foley & Lardner LLP](https://www.insuracarelife.com/blog/final-rule-exempts-ichras-and-other-account-based-plans-from-medicare-part-d-creditable-coverage-notice-foley-lardner-llp/): On April 6, 2026, the Department of Health and Human Services (HHS) published a final rule formally excluding account-based group health plans from the requirement to provide a Medicare Part D-creditable coverage notice to Part D-eligible individuals. This exclusion applies to individual coverage health reimbursement arrangements (ICHRAs), traditional health reimbursement arrangements (HRAs), health care flexible spending accounts […]
- [Berkshire Hathaway unit hits Bronx contractors, chases owners for $1.18M](https://www.insuracarelife.com/blog/berkshire-hathaway-unit-hits-bronx-contractors-chases-owners-for-1-18m/): In a lawsuit filed on April 17, 2026, in the Southern District of New York, Berkshire Hathaway Homestate Insurance Company and Redwood Fire and Casualty Insurance Company say three affiliated companies – Corbel Communications Industries LLC, Corbel Communications Industries of California Inc., and Citi Connect Industries LLC – owe $1,180,921.95 in additional workers’ compensation and employer’s liability […]
- [Eighth Circuit Rules That CGL Policy Does Not Cover Abuse of Process Claim Under Minnesota Law | Carlton Fields](https://www.insuracarelife.com/blog/eighth-circuit-rules-that-cgl-policy-does-not-cover-abuse-of-process-claim-under-minnesota-law-carlton-fields/): On March 17, 2026, the Eighth Circuit Court of Appeals held in General Star Indemnity Co. v. Toy Quest Ltd. that the commercial general liability insurer had no duty to defend an “abuse of process” claim related to the insured’s intervention in a separate garnishment action by a third party. The underlying claim involved a […]
- [Maryland rewrites insurance rules for peer-to-peer car sharing programs](https://www.insuracarelife.com/blog/maryland-rewrites-insurance-rules-for-peer-to-peer-car-sharing-programs/): House Bill 1186, signed into law by the Governor, overhauls the state’s insurance and liability framework for peer-to-peer car sharing programs, the platforms that connect vehicle owners with drivers to enable the sharing of motor vehicles for financial consideration. The bill was introduced on February 11, 2026, by Delegates Mike Rogers, Scott Phillips, Nicole Williams, […]
- [India Insights - April 2026 | Latham & Watkins LLP](https://www.insuracarelife.com/blog/india-insights-april-2026-latham-watkins-llp/): Welcome to Latham’s India Insights, which covers key legal and commercial developments in the dynamic and growing India market. With globally integrated, market-leading transactional and industry-specific capabilities, Latham provides exceptional insights to clients navigating transactional complexity and Indian market dynamics. Connect with us to discuss how these developments may affect your current or proposed business […]
- [Secured Signing Reports Growth in Notary Adoption of its Realify Deepfake Detection Feature](https://www.insuracarelife.com/blog/secured-signing-reports-growth-in-notary-adoption-of-its-realify-deepfake-detection-feature/): CALIFORNIA NEWSWIRE (MOUNTAIN VIEW, Calif.) – NEWS — Secured Signing, a global leader in Digital Signing and Remote Online Notarization (RON), announced a 45% month-on-month increase in adoption of Realify, its AI-powered deepfake detection feature, among independent and in-house notaries. The surge reflects growing awareness among legal and notarial professionals of the escalating threat posed […]
- [Hidden risks in green energy: Insurance gaps in solar, batteries, and beyond](https://www.insuracarelife.com/blog/hidden-risks-in-green-energy-insurance-gaps-in-solar-batteries-and-beyond/):   
 In this episode of IB Talk, Insurance Business editor Gia Snape sits down with Howden US’ Jared Dubrowski to unpack a growing blind spot in the global push toward sustainability: the hidden risks embedded in green energy technologies. As investment pours into solar, wind and battery storage, these assets are widely seen as […]
- [The Condo Supply Problem, Part 3: HOA Fees Are the Symptom, Not the Cause | Winstead PC](https://www.insuracarelife.com/blog/the-condo-supply-problem-part-3-hoa-fees-are-the-symptom-not-the-cause-winstead-pc/): In Part 1 of this series, I discussed why Texas is only partway toward a solution to the condominium supply problem, focusing on the need for continued statutory reform, including modernization of condominium development financing and greater flexibility in how permanent property insurance is structured. In Part 2, we examined Fannie Mae’s most recent lender […]
- [Understanding Vacation Home Insurance: Protecting Your Second Home in the USA](https://www.insuracarelife.com/blog/understanding-vacation-home-insurance-protecting-your-second-home-in-the-usa/): Introduction to Vacation Home Insurance Vacation home insurance is a specialized type of insurance policy designed to protect homeowners who own secondary properties that are not their primary residence. As purchasing a second home becomes increasingly popular across the United States, understanding what vacation home insurance entails is crucial for homeowners looking to ensure their […]
- [Client Alert: Ohio Lawmakers Propose Ending Medicaid Managed Care in Favor of Administrative Services Organization Model | Shumaker, Loop & Kendrick, LLP](https://www.insuracarelife.com/blog/client-alert-ohio-lawmakers-propose-ending-medicaid-managed-care-in-favor-of-administrative-services-organization-model-shumaker-loop-kendrick-llp/): A bipartisan duo of Ohio legislators introduced Senate Bill 386, titled the “Medicaid Savings Act.” The bill, introduced by Senators Louis Blessing (R-Cincinnati) and Beth Liston (D-Dublin), proposes a fundamental shift in how Ohio administers its Medicaid program, moving away from the current Managed Care Organization (MCO) model to an Administrative Services Organization (ASO) framework. […]
- [Sixth Circuit Holds Tennessee PBM Network and Steering Rules Are ERISA‑Preempted | Troutman Pepper Locke](https://www.insuracarelife.com/blog/sixth-circuit-holds-tennessee-pbm-network-and-steering-rules-are-erisa-preempted-troutman-pepper-locke/): Recently, the Sixth Circuit issued a significant ERISA preemption ruling for employers and pharmacy benefit managers (PBMs). The court held that Tennessee’s PBM laws, which require “any willing” pharmacy access and limiting incentives that steer members to plan‑favored pharmacies, are preempted as applied to self‑funded ERISA plans. The ruling draws a clear line between permissible […]
- [LEAD Vs. ACO REACH - What’s Changing And Why The LEAD Model Matters For ACOs And Participating Providers | Benesch](https://www.insuracarelife.com/blog/lead-vs-aco-reach-whats-changing-and-why-the-lead-model-matters-for-acos-and-participating-providers-benesch/): Key Takeaways for ACOs: 10-Year Commitment Replaces Short-Term REACH Model: Starting January 1, 2027, LEAD offers a 10-year model (spanning the years 2027-2036) to effectively replace the ACO REACH model when it sunsets on December 31, 2026. Unlike REACH’s 4-year run with periodic benchmark rebasing, LEAD locks in each ACO’s spending baseline for the full […]
- [Are insurers taking too many risks?](https://www.insuracarelife.com/blog/are-insurers-taking-too-many-risks/): The returns have been impressive. By investing in private credit, including illiquid instruments that carry higher yields than publicly traded bonds, these operators have been able to outcompete traditional insurers on the rates they offer customers. But critics, including researchers at the Centre for Economic and Policy Research, have raised pointed questions about what lies […]
- [NFIP Flood Insurance Policy Pitfalls: What South Carolina Policyholders Should Know Before Disaster Strikes | Ward and Smith, P.A.](https://www.insuracarelife.com/blog/nfip-flood-insurance-policy-pitfalls-what-south-carolina-policyholders-should-know-before-disaster-strikes-ward-and-smith-p-a/): If you own property in South Carolina, particularly along the coast from Hilton Head to Myrtle Beach or in flood-prone areas near Charleston or the low country, you likely have considered flood insurance. Many property owners in the Palmetto State rely on the National Flood Insurance Program (NFIP) for protection against flood damage. However, NFIP […]
- [Fifth Circuit revives Porch.com claim against Gallagher Re over Vesttoo fraud](https://www.insuracarelife.com/blog/fifth-circuit-revives-porch-com-claim-against-gallagher-re-over-vesttoo-fraud/): The Section 13 claim, however, was a different story. The trial court had dismissed it on the basis that Porch’s allegations related only to the placement of the reinsurance, while the provision in question covered duties after placement. The Fifth Circuit disagreed, finding that Porch had in fact alleged a series of failures by Gallagher […]
- [Why Block Grants Could be the Future of FEMA Public Assistance | Baker Donelson](https://www.insuracarelife.com/blog/why-block-grants-could-be-the-future-of-fema-public-assistance-baker-donelson/): Since publishing the Disaster Recovery Brief “Are Block Grants the Future of FEMA Public Assistance?” we received several inquiries seeking additional information. In response, this brief explains what a block grant is in the context of disaster assistance and the practical effect a block grant model could have on FEMA infrastructure grants to states, tribes, […]
- [Allstate becomes the first major insurance provider to roll out free identity theft protection, delivering more value and protection to millions of customers](https://www.insuracarelife.com/blog/allstate-becomes-the-first-major-insurance-provider-to-roll-out-free-identity-theft-protection-delivering-more-value-and-protection-to-millions-of-customers/): Key takeaways:  Allstate is the first major U.S. insurer to offer free identity theft protection at no additional cost for millions of home, auto and renters insurance customers, starting today in 14 states and continuing to expand to additional states this year. Allstate has offered identity theft protection since 2018. Customers receive 24/7 support and […]
- [Best Insurance Professionals and Brokers Worldwide | Global 100](https://www.insuracarelife.com/blog/best-insurance-professionals-and-brokers-worldwide-global-100/): Jump to winners | About the Global 100 Leveraging volatility Insurance Business proudly unveils its Global 100 list for 2026, a powerhouse lineup of standout professionals from across six key markets: the United States, Canada, Australia, New Zealand, Asia-Pacific, and the United Kingdom.   These trailblazers haven’t just moved the needle; they’ve transformed the industry and […]
- [Ninth Circuit Finds Bad Faith in Insurer’s Refusal to Defend Mixed Allegations | Nossaman LLP](https://www.insuracarelife.com/blog/ninth-circuit-finds-bad-faith-in-insurers-refusal-to-defend-mixed-allegations-nossaman-llp/): A panel of the Ninth Circuit held, in an unpublished opinion, that Allied World Specialty Insurance Company (Allied) must defend its insureds even though there were undisputedly excluded allegations of sexual abuse in the underlying complaint. Based upon a substantial body of cases setting forth the “potentiality standard” for determining the duty to defend, the […]
- [Modern payments, legacy systems: The insurance finance disconnect?](https://www.insuracarelife.com/blog/modern-payments-legacy-systems-the-insurance-finance-disconnect/): That AMS native approach also underpins a more modern payment experience for insureds. Rather than forcing customers through clunky processes or separate portals, Applied Pay delivers an online flow that feels much more advanced than a traditional insurance invoice, with options like Apple Pay, Google Pay and premium financing available at checkout. Historically, if an […]
- [China’s Draft Financial Law and Key Regulatory Insights | WilmerHale](https://www.insuracarelife.com/blog/chinas-draft-financial-law-and-key-regulatory-insights-wilmerhale/): On March 20, 2026, the Ministry of Justice (“MOJ”), together with the People’s Bank of China (“PBOC”), the National Financial Regulatory Administration (“NFRA”), the China Securities Regulatory Commission (“CSRC”) and the State Administration of Foreign Exchange (“SAFE”), released the Financial Law of the People’s Republic of China (Draft) (《中华人民共和国金融法（草案）》) (the “Draft”) for public comment through […]
- [Is California's E&S market the future of property insurance?](https://www.insuracarelife.com/blog/is-californias-es-market-the-future-of-property-insurance/): In the nation’s most populous state, the surplus lines market has ceased to be a specialized outlet and become, for a startling and growing number of ordinary homeowners, the only game in town. Surplus lines homeowners policies in California surpassed 300,000 in 2025, a level without precedent in the state’s history, according to new data […]
- [California Earthquake Authority Weighs in on Inverse Condemnation in its New SB 254 Report | Nossaman LLP](https://www.insuracarelife.com/blog/california-earthquake-authority-weighs-in-on-inverse-condemnation-in-its-new-sb-254-report-nossaman-llp/): We are closely tracking the newly released Senate Bill 254 (Becker, 2025) Study Report, prepared by the California Earthquake Authority (CEA) as Administrator of the Wildfire Fund. While the report outlines several pathways to stabilize California’s insurance and energy markets, one of the most significant proposals is the recommendation to fundamentally overhaul inverse condemnation liability […]
- [Oregon court throws out $1 billion wildfire verdict - and hands key insurers a lifeline](https://www.insuracarelife.com/blog/oregon-court-throws-out-1-billion-wildfire-verdict-and-hands-key-insurers-a-lifeline/): Which insurers stand to benefit – and which face new headwinds   Liability tower – exposure reduced   Subrogation carriers – recovery path harder PacifiCorp’s liability tower – likely relieved Primary carrier AEGIS Associated Electric & Gas Insurance Services – PacifiCorp’s primary liability insurer. Filed an amicus brief in the James appeal explicitly backing PacifiCorp’s […]
- [Retainage Bonds: A Practical Guide for Contractors and Owners in Washington | Miller Nash LLP](https://www.insuracarelife.com/blog/retainage-bonds-a-practical-guide-for-contractors-and-owners-in-washington-miller-nash-llp/): This article was prepared by Miller Nash attorney Jim Yand and Integrity Surety founder Kara Skinner as an accompaniment to their April 2026 American Subcontractors Association of Washington presentation entitled “Bonded Instead of Waiting: Understanding Retainage Bonds in Washington.” Introduction Retainage is commonly used in construction to withhold funds until project completion. Unfortunately for some […]
- [Oregon court throws out $1B wildfire verdict - and hands key insurers a lifeline](https://www.insuracarelife.com/blog/oregon-court-throws-out-1b-wildfire-verdict-and-hands-key-insurers-a-lifeline/): Which insurers stand to benefit – and which face new headwinds   Liability tower – exposure reduced   Subrogation carriers – recovery path harder PacifiCorp’s liability tower – likely relieved Primary carrier AEGIS Associated Electric & Gas Insurance Services – PacifiCorp’s primary liability insurer. Filed an amicus brief in the James appeal explicitly backing PacifiCorp’s […]
- [AI Exclusions in Insurance Policies: A Growing Threat and What to Do | Haynes Boone](https://www.insuracarelife.com/blog/ai-exclusions-in-insurance-policies-a-growing-threat-and-what-to-do-haynes-boone/): The use of artificial intelligence, and thus the exposure associated with artificial intelligence, is exploding. At the same time, insurance companies have begun to roll out artificial intelligence exclusions, and the terms of some of those exclusions are exceedingly broad. For example, some insurers have introduced exclusions that provide: This Policy does not apply to […]
- [Understanding Business Owners Policy Insurance for Healthcare Facilities in Florida](https://www.insuracarelife.com/blog/understanding-business-owners-policy-insurance-for-healthcare-facilities-in-florida/): Introduction to Business Owners Policy Insurance Business Owners Policy (BOP) insurance is a comprehensive insurance solution designed specifically for small to medium-sized businesses, consolidating multiple coverage types into one package. For business owners, such as those operating in healthcare facilities in Florida, this type of insurance can be particularly beneficial, as it combines essential coverages […]
- [Your competitors are doing this – are you?](https://www.insuracarelife.com/blog/your-competitors-are-doing-this-are-you/): This quarter, you also need to do something that almost no employer has done: update your performance review framework. If you are asking people to adopt AI and work differently but still measuring the same inputs – hours worked, volume of output, processes followed – you are sending contradictory signals. An employee who uses AI […]
- [Regulatory termination fee insurance: An emerging transactional insurance product that may impact M&A deal dynamics | White & Case LLP](https://www.insuracarelife.com/blog/regulatory-termination-fee-insurance-an-emerging-transactional-insurance-product-that-may-impact-ma-deal-dynamics-white-case-llp/): Introduction Regulatory clearance is one of the most consequential variables in many M&A transactions. The increasing complexity of many regulatory regimes and M&A transactions, the evolving (and often more aggressive) positions of regulators, and the growing politicization of some approval processes have all contributed to greater uncertainty in obtaining regulatory approval for many deals. Regulatory […]
- [Hawaii targets fossil fuel companies to recover climate-driven insurance losses](https://www.insuracarelife.com/blog/hawaii-targets-fossil-fuel-companies-to-recover-climate-driven-insurance-losses/): The Hawaii State Senate adopted Senate Resolution No. 111, as amended (S.D. 1), on April 6, 2026. The resolution was sponsored by Sen. Jarrett Keohokalole, Sen. Stanley Chang, Sen. Brandon Elefante, Sen. Angus McKelvey, Sen. Karl Rhoads, Sen. Joy San Buenaventura, and Sen. Glenn Wakai, all Democrats. It urges the Insurance Division of the Department […]
- [Formosa Petrochemical’s Force Majeure – Supply Chain Disruptions & Potential Insurance Implications | Lathrop GPM](https://www.insuracarelife.com/blog/formosa-petrochemicals-force-majeure-supply-chain-disruptions-potential-insurance-implications-lathrop-gpm/): The recent force majeure notice issued by Formosa Petrochemical Corporation – due to the closure of the Strait of Hormuz and its global impact – is disrupting the availability of key petrochemical inputs across multiple industries, including plastics, packaging, automotive components and consumer products. For companies dependent on Formosa or its downstream distributors, these interruptions […]
- [Ninth Circuit dismantles California law protecting insurance risk pools](https://www.insuracarelife.com/blog/ninth-circuit-dismantles-california-law-protecting-insurance-risk-pools/): But even that provision did not survive. Under California’s severability framework, a remaining provision must be grammatically, functionally, and volitionally separable from the struck-down portions of a statute. The court focused on the volitional prong, which asks whether the legislature would have passed the provision on its own, and concluded it would not have. About […]
- [Recent FinCEN Advisory Highlights Rising Health Care Fraud Risk for Financial Institutions | Verrill](https://www.insuracarelife.com/blog/recent-fincen-advisory-highlights-rising-health-care-fraud-risk-for-financial-institutions-verrill/): As the federal government intensifies its “whole of government” approach to combat fraud, waste, and abuse, particularly in Federal Health Care Benefit Programs, financial institutions face growing exposure to health care fraud proceeds moving through domestic and cross‑border financial systems. Last week, FinCEN, in coordination with the FBI and HHS‑OIG, issued a new advisory urging […]
- [Does Renters Insurance Cover Pet Damage to Carpet 2026?](https://www.insuracarelife.com/blog/does-renters-insurance-cover-pet-damage-to-carpet/): Understanding Renters Insurance Renters insurance provides essential protection for individuals who lease or rent their residence, ensuring financial security in case of unexpected events. The primary purpose of renters insurance is to cover personal property against risks such as theft, fire, or specific natural disasters. This type of insurance generally covers items like furniture, electronics, […]
- [GEICO wins in settlement demand fight](https://www.insuracarelife.com/blog/geico-wins-in-settlement-demand-fight/): The dispute traces back to a 2022 motor vehicle collision in which Abdel-Rahman says he was seriously injured by Patricia Faircloth, a GEICO insured. In May 2023, Abdel-Rahman’s attorney sent GEICO an offer to settle for the $25,000 policy limits. The letter checked all the boxes required under OCGA § 9-11-67.1, Georgia’s statute governing pre-suit […]
- [Protecting Your Career and Your Income: Why High-Earning Professionals Need Own-Occupation Disability Insurance | Ward and Smith, P.A.](https://www.insuracarelife.com/blog/protecting-your-career-and-your-income-why-high-earning-professionals-need-own-occupation-disability-insurance-ward-and-smith-p-a/): For high-earning professionals with years of education, training, and dedication behind them, the ability to exercise their specialized skills and earn income is more fragile than most realize. Consider the numbers: an orthopedic specialist sidelined at age 42 by a degenerative spinal condition could forfeit millions in earnings.  A cardiologist who suffers a stroke at […]
- [MOSIP Certifies SecuGen Unity 20 MOSIP Biometric Fingerprint Device](https://www.insuracarelife.com/blog/mosip-certifies-secugen-unity-20-mosip-biometric-fingerprint-device/): CALIFORNIA NEWSWIRE (SANTA CLARA, Calif.) — NEWS SecuGen Corporation, a leading provider of advanced fingerprint biometric technology, today announced that its Unity™ 20 MOSIP fingerprint authentication device has been certified and officially listed on the MOSIP Marketplace, confirming compliance with Modular Open Source Identity Platform (MOSIP) SBI 2.0 L1 specifications. The Unity™ 20 MOSIP is […]
- [US Treasury sounds alarm on Anthropic AI as experts warn Mythos could accelerate cyber threats](https://www.insuracarelife.com/blog/us-treasury-sounds-alarm-on-anthropic-ai-as-experts-warn-mythos-could-accelerate-cyber-threats/): Earlier this week, the Financial Times reported that senior US officials had raised concerns about the cybersecurity implications of a newly released artificial intelligence model from Anthropic, including its ability to identify software vulnerabilities at a scale that could outpace traditional defensive approaches. The report said US Treasury Secretary Scott Bessent convened a meeting with […]
- [Court of Appeal Affirms Ruling That Late‑Asserted Major Contributing Cause Defenses Are Waived | Marshall Dennehey](https://www.insuracarelife.com/blog/court-of-appeal-affirms-ruling-that-late-asserted-major-contributing-cause-defenses-are-waived-marshall-dennehey/): Budd v. Jandrew Enterprises LLC, (1D2024-3161, January 30, 2026) (OJCC# 23-004984) The First District Court of Appeal recently issued a per curiam affirmed (PCA) ruling concerning the perennial issue of major contributing cause and the right to deny treatment for pre-existing conditions. As a PCA, this case has no precedential authority. However, the case serves […]
- [The Mortgage Collaborative expands its 2026 national spring conference presence, invites lenders to connect](https://www.insuracarelife.com/blog/the-mortgage-collaborative-expands-its-2026-national-spring-conference-presence-invites-lenders-to-connect/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — NEWS The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, will engage with members and industry partners across a series of key mortgage conferences and events nationwide throughout the second quarter. Through both large-scale industry events and more targeted, peer-driven engagements, TMC continues to create […]
- [New Virginia law rewrites the rules on underinsured motorist claims](https://www.insuracarelife.com/blog/new-virginia-law-rewrites-the-rules-on-underinsured-motorist-claims/): The law introduces a mandatory written settlement and notice requirement. Any settlement between the injured person or personal representative, any insurer providing liability coverage applicable to the claim, and the underinsured motorist described in subsection K must be in writing, signed by both the injured person or personal representative and the underinsured motorist, and must […]
- [Monthly Deposits – Issue #1 - MoFo’s Bank Regulatory Newsletter | Morrison & Foerster LLP](https://www.insuracarelife.com/blog/monthly-deposits-issue-1-mofos-bank-regulatory-newsletter-morrison-foerster-llp/): Welcome to the inaugural issue of Monthly Deposits: MoFo’s Bank Regulatory Newsletter, which provides an overview of recent developments in U.S. bank regulation, including proposed rules, reforms, and other significant updates. Here we cover some of the key developments from the past month that our team is keeping an eye on. Agencies Clarify Capital Treatment […]
- [What Does a Condo Association Insurance Policy Actually Cover? 2026](https://www.insuracarelife.com/blog/what-does-a-condo-association-insurance-policy-actually-cover/): Introduction to Condo Association Insurance Condo association insurance, also known as master insurance, is a crucial component of property management within condominium communities. This type of insurance is designed to protect the collective interests of the condominium owners and safeguard the physical structure of the buildings, along with common areas like pools, lobbies, and hallways. […]
- [Baldwin Group launches new group captive Azimuth Re](https://www.insuracarelife.com/blog/baldwin-group-launches-new-group-captive-azimuth-re/): “In today’s ultra-competitive construction environment, the strongest contractors are those who can most effectively balance growth, risk, and profitability with precision and discipline,” said Andy O’Brien, partner at The Baldwin group. “As we move forward through 2026 and beyond, we anticipate volatility across many critical sectors of the construction insurance market. By creating a peer group […]
- [Probate & Fiduciary Newsletter - April 2026 | Goulston & Storrs PC](https://www.insuracarelife.com/blog/probate-fiduciary-newsletter-april-2026-goulston-storrs-pc/): Matter of Nires, 241 A.D.3d 555 (2d Dep’t 2025) If an attorney assists a client in signing his will, is that attorney disqualified from being one of the two statutorily required witnesses to the execution of the will? In Matter of Nires, 241 A.D.3d 555 (2d Dep’t 2025), New York’s Appellate Division, Second Department, answered […]
- [Domaine Carneros Named Sustainable Business of the Year by Napa Chamber of Commerce](https://www.insuracarelife.com/blog/domaine-carneros-named-sustainable-business-of-the-year-by-napa-chamber-of-commerce/): CALIFORNIA NEWSWIRE (NAPA, Calif.) — NEWS Earlier this year, Domaine Carneros Winery received the Sustainable Business of the Year award from the Napa Chamber of Commerce, presented by MCE Clean Energy, a not-for-profit public agency that has set the standard for clean energy in California since 2010. Domaine Carneros was founded by the Taittinger family […]
- [Ninth Circuit slams Allied World for refusing to defend harassment claims](https://www.insuracarelife.com/blog/ninth-circuit-slams-allied-world-for-refusing-to-defend-harassment-claims/): At the heart of the dispute is a tension baked into the policy itself. On one hand, the policy explicitly covers losses from claims alleging sexual harassment, unwelcome sexual advances, requests for sexual favors, or other misconduct of a sexual nature. On the other, a Sexual Abuse Exclusion strips away coverage for any claim alleging, […]
- [Florida Appeals Court Rejects Rules Protecting Physician Dispensing in Workers’ Compensation Cases | Akerman LLP - Health Law Rx](https://www.insuracarelife.com/blog/florida-appeals-court-rejects-rules-protecting-physician-dispensing-in-workers-compensation-cases-akerman-llp-health-law-rx/): A recent decision by Florida’s First District Court of Appeal (DCA) has significant implications for physicians and other practitioners who dispense medications to injured workers. In Publix Super Markets, Inc. v. Dep’t of Fin. Servs., No. 1D2023-0941, 2026 WL 513788 (Fla. 1st DCA Feb. 25, 2026), the court invalidated two rules issued by the Florida […]
- [Court rules Berkshire Hathaway must defend Trulieve in cannabis worker death suit](https://www.insuracarelife.com/blog/court-rules-berkshire-hathaway-must-defend-trulieve-in-cannabis-worker-death-suit/): The case arose from the death of Lorna McMurrey, a worker at a cannabis production facility in Holyoke, Massachusetts. McMurrey worked in a pre-roll production room, where grinding machines broke cannabis flower into smaller pieces for pre-roll production. The process created significant amounts of airborne cannabis dust, and workers were often covered head to toe […]
- [CMS Finalizes CY 2027 Medicare Advantage and Part D Rule | Holland & Knight LLP](https://www.insuracarelife.com/blog/cms-finalizes-cy-2027-medicare-advantage-and-part-d-rule-holland-knight-llp/): The Centers for Medicare & Medicaid Services (CMS) has finalized the calendar year (CY) 2027 Medicare Advantage (MA) and Part D rule, with policies effective June 1, 2026, and applicable to coverage beginning January 1, 2027. View the related press release and fact sheet. As a refresher, CMS’ annual MA and Part D policy cycle […]
- [Understanding Florida Small Business Insurance: Coverage Options Explained](https://www.insuracarelife.com/blog/florida-small-business-insurance/): Introduction to Florida Small Business Insurance Small business insurance in Florida serves as a crucial safety net for entrepreneurs navigating the dynamic landscape of the Sunshine State’s business environment. Florida is known for its vibrant economy, characterized by a diverse range of industries including tourism, agriculture, and technology. However, with these opportunities come unique risks […]
- [NAIC Readies Launch of New Illustration Requirements | Carlton Fields](https://www.insuracarelife.com/blog/naic-readies-launch-of-new-illustration-requirements-carlton-fields/): On March 31, Ben Slutsker, chair of the National Association of Insurance Commissioners’ Life Insurance and Annuities Illustration Working Group, made clear that “it is a go” to “address annuity illustrations, and illustrations more broadly.” This followed the working group’s receipt of comments and ensuing discussion on the chair’s exposed question — “What are both […]
- [How to Get the Best Short Term Disability Maternity Leave Insurance in California](https://www.insuracarelife.com/blog/short-term-disability-maternity-leave-insurance/): What is Short Term Disability Insurance? Short term disability insurance serves as a financial safety net for individuals unable to work due to temporary medical conditions, including maternity leave. For expectant mothers, this insurance becomes vital during the weeks surrounding their childbirth, providing compensation for lost income while they are unable to perform their job […]
- [Iran Conflict: Practical Tips for Managing Construction Risk | BCLP](https://www.insuracarelife.com/blog/iran-conflict-practical-tips-for-managing-construction-risk-bclp/): SUMMARY Focusing primarily on the UK, UAE and KSA, in this BCLP Insight, Muhammad Hassan and Rebecca Maxwell consider what developers can do now to mitigate the impact of the Iran conflict. The ongoing Iran conflict has not only affected Gulf states but also countries such as the UK which are dependent on supplies from […]
- [Shape Up or Be Shipped Out: The New Broker and Freight Forwarder Financial Responsibility Final Rule Puts Delinquent Brokers on Notice | Weber Gallagher Simpson Stapleton Fires & Newby LLP](https://www.insuracarelife.com/blog/shape-up-or-be-shipped-out-the-new-broker-and-freight-forwarder-financial-responsibility-final-rule-puts-delinquent-brokers-on-notice-weber-gallagher-simpson-stapleton-fires-newby-llp/): Earlier this year, the Federal Motor Carrier Safety Administration (FMCSA) finally placed into full effect the Broker and Freight Forwarder Financial Responsibility Rule amendment. The FMCSA initially published this Rule in late 2023 to take effect on Jan. 16, 2024, but to give relevant entities time to familiarize themselves with the regulation and its registration […]
- [The Friday Five: Five ERISA Litigation Highlights - April 2026 | Saul Ewing LLP](https://www.insuracarelife.com/blog/the-friday-five-five-erisa-litigation-highlights-april-2026-saul-ewing-llp/): This issue of the Friday Five discusses the Fifth Circuit’s strict approach to review deadlines, a court chiding an administrator for relying on evidence not in the record, a court’s refusal to permit discovery into claims statistics, rescission of a life insurance policy due to misrepresentations in the application, and holding an administrator strictly to […]
- [What Role Will AI Play in Settlement Rates? | Esquire Deposition Solutions, LLC](https://www.insuracarelife.com/blog/what-role-will-ai-play-in-settlement-rates-esquire-deposition-solutions-llc/): Last week’s blog examined whether pretrial discovery methods — and depositions in particular — have been responsible for the dramatic decline in civil trials. While the available evidence suggests that liberal discovery rules clearly contribute to pretrial resolutions, nobody has measured exactly how much. Meanwhile, two powerful forces are quietly reshaping how civil claims are […]
- [Author Cameron Bawden Reveals the Blueprint for Selling a Business in New Book ‘Home Service Empire’](https://www.insuracarelife.com/blog/author-cameron-bawden-reveals-the-blueprint-for-selling-a-business-in-new-book-home-service-empire/): CALIFORNIA NEWSWIRE – NEWS — In his powerful new book, “Home Service Empire: How I Built, Scaled, and Sold a Family of Businesses Worth Over $100 Million” (ISBN: 978-196833-852 paperback; 978-1968339869 ebook; 978-1968339845 hardcover; Legacy Launch Pad Publishing), entrepreneur Cameron Bawden shares the battle-tested blueprint behind building one of Arizona’s largest privately owned home service […]
- [A Matter of Time: Negligence Claim for Cyber Fraud Falls Outside Consecutive Claims-Made Cyber Policies | Wiley Rein LLP](https://www.insuracarelife.com/blog/a-matter-of-time-negligence-claim-for-cyber-fraud-falls-outside-consecutive-claims-made-cyber-policies-wiley-rein-llp/): The United States District Court for the Southern District of Ohio, applying Ohio law, has held that a negligence claim arising from a cyber fraud incident was not first made or reported while the first policy was in effect, and that notice was outside the second policy’s 30-day reporting window. Spinnaker Ins. Co. v. Heart […]
- [Insurer's PDF stunt costs $75,000 after Montana managing general agent loses appeal](https://www.insuracarelife.com/blog/insurers-pdf-stunt-costs-75000-after-montana-managing-general-agent-loses-appeal/): That conduct also drove the size of the fine. Victory argued on appeal that the commissioner should have stuck to the $5,000-per-violation figure in § 33-2-1605(1)(a), MCA, not reached for the $25,000 ceiling in § 33-1-317, MCA. Reading the two provisions together, the Supreme Court held the commissioner has authority to impose fines up to […]
- [Flood Damage in the UAE: Understanding Insurance Liability and the Scope of the Force Majeure Defense | Awatif Mohammad Shoqi Advocates & Legal Consultancy](https://www.insuracarelife.com/blog/flood-damage-in-the-uae-understanding-insurance-liability-and-the-scope-of-the-force-majeure-defense-awatif-mohammad-shoqi-advocates-legal-consultancy/): Introduction The recent heavy rain and storm conditions seen across the UAE have led to a lot of discussion about insurance coverage and who is legally responsible when property or vehicles are damaged. These events have also shown that insurance disputes are rarely decided by policy wording alone, especially when it is storm damage in […]
- [US auto insurance shopping cools from 'hot' to 'warm' in Q1 2026: report](https://www.insuracarelife.com/blog/us-auto-insurance-shopping-cools-from-hot-to-warm-in-q1-2026-report/): “As auto insurance shopping growth begins to level off loyalty can be what separates temporary wins from sustainable growth. Insurers that invest now in retaining hard-earned customers will likely be better positioned as the market shifts from rapid expansion to measured momentum,” said Jeff Batiste, senior vice president and general manager, US auto and home […]
- [Arbitration in the Fifth - April 2026 | Haynes Boone](https://www.insuracarelife.com/blog/arbitration-in-the-fifth-april-2026-haynes-boone/): In April 2026, the Fifth Circuit Court of Appeals’ Crescent City Surgical Operating Co. v. Interstate Fire & Casualty Co. considered the standard for granting a stay of continuing litigation after some, but not all, defendants were referred to arbitration. In the Southern District of Texas, Madison v. Niagara Bottling, LLC reviewed the framework for […]
- [NJ Supreme Court hands Berkley a clean win in D&O coverage fight](https://www.insuracarelife.com/blog/nj-supreme-court-hands-berkley-a-clean-win-in-do-coverage-fight/): Mist tendered the claim on December 8, 2015. Berkley reserved its rights from day one. In a March 9, 2016 coverage letter, it agreed to pay 10% of legal fees but spelled out the capacity exclusion in full. The clause barred coverage for any loss connected to a claim: “based upon, arising out of, directly […]
- [Vorys Benefits Brief: 2025 MHPAEA Report to Congress: Enforcement Activity Continues and the Need for Comparative Analyses Remains | Vorys, Sater, Seymour and Pease LLP](https://www.insuracarelife.com/blog/vorys-benefits-brief-2025-mhpaea-report-to-congress-enforcement-activity-continues-and-the-need-for-comparative-analyses-remains-vorys-sater-seymour-and-pease-llp/): The United States Departments of Labor, Health and Human Services, and the Treasury (collectively, the Departments) recently issued the 2025 MHPAEA Report to Congress (the Report), summarizing enforcement activity related to the Mental Health Parity and Addiction Equity Act (MHPAEA) for the period of August 1, 2023, through July 31, 2025. As a reminder, in […]
- ['The market is behaving as it should': Correcting the record on war risk cover in the gulf](https://www.insuracarelife.com/blog/the-market-is-behaving-as-it-should-correcting-the-record-on-war-risk-cover-in-the-gulf/): The mechanism behind the headlines The source of the confusion is a contractual provision called the notice of cancellation – built into every war risk policy as the mechanism by which underwriters reprice cover when the risk landscape changes materially. When hostilities escalated, P&I clubs including the American Club, Gard, Skuld, NorthStandard and the London […]
- [[Webinar] Assault & Battery Exclusions and How to Win the Fight - May 26th, 12:00 pm - 1:00 pm EDT | Goldberg Segalla](https://www.insuracarelife.com/blog/webinar-assault-battery-exclusions-and-how-to-win-the-fight-may-26th-1200-pm-100-pm-edt-goldberg-segalla/): May 26th, 2026 12:00 PM – 1:00 PM EDT Join partner David Harris and attorney Carter Overbey for an informative presentation that will provide a cross-country review of Assault & Battery Exclusions and the different methods by which courts interpret the exclusion, as well as the characteristics of a robust Assault & Battery Exclusion likely […]
- [Is it a war? The question that will define thousands of Gulf insurance claims](https://www.insuracarelife.com/blog/is-it-a-war-the-question-that-will-define-thousands-of-gulf-insurance-claims/): P&I clubs exclude war risk from standard mutual cover as a listed peril. In the clearest cases – a vessel struck by a missile in an active war zone – the exclusion applies, and owners must look to their separate war risk tower for cover. Ogullukian acknowledged, however, that certain downstream liabilities are harder to draw clean lines around. […]
- [NAIC Working Group Adopts 0.68% “Look-Through” RBC Factor for Funds Investing in Resi Mortgages | Mayer Brown](https://www.insuracarelife.com/blog/naic-working-group-adopts-0-68-look-through-rbc-factor-for-funds-investing-in-resi-mortgages-mayer-brown/): On April 30, 2026, the NAIC Life Risk-Based Capital (E) Working Group (“Life RBC WG”) voted to reduce the C‑1 risk-based capital (“RBC”) factor from 1.75% to 0.68% when life insurers invest in performing residential mortgage loans indirectly through an unaffiliated joint venture (“JV”), partnership, or limited liability company (“LLC”). To provide context, a 0.68% […]
- [More car ads promote vehicle performance despite dangers of speed](https://www.insuracarelife.com/blog/more-car-ads-promote-vehicle-performance-despite-dangers-of-speed/): 
 
 
 
 The proportion of vehicle ads focused on performance increased from 2018 to 2022, while a paltry few highlighted safety. 
 By 
 May 12, 2026 
 
 
 
 

 
 A new study from the Insurance Institute for Highway Safety finds that from 2018 to 2022, advertisements emphasizing vehicle performance […]
- [Prior Concussions Significantly Increase the Risk of Long-Term Disability after a Motor Vehicle Crash | Downs Rachlin Martin PLLC](https://www.insuracarelife.com/blog/prior-concussions-significantly-increase-the-risk-of-long-term-disability-after-a-motor-vehicle-crash-downs-rachlin-martin-pllc/): A Canadian Study published on-line in January 2026 by the Journal of the American Medical Association, JAMA Network Open, finds that a history of prior concussion is associated with a 15% increase in the risk of long-term disability following a motor vehicle crash. The study examined more than 900,000 adult car crash patients, including approximately […]
- [California Response to Ferret Legalization Lawsuit Raises Questions About Agency Authority](https://www.insuracarelife.com/blog/california-response-to-ferret-legalization-lawsuit-raises-questions-about-agency-authority/): CALIFORNIA NEWSWIRE (LA MESA, Calif.) — NEWS: Legalize Ferrets.org (LegalizeFerrets.org) says a new phase has emerged in California’s long-running ferret controversy after the California Fish and Game Commission and the California Department of Fish and Wildlife filed demurrers in response to a lawsuit involving Petition 2025-003 – a citizen petition seeking reconsideration of California’s classification […]
- [Specialty programs' rapid development | Insurance Business](https://www.insuracarelife.com/blog/specialty-programs-rapid-development-insurance-business/): 00:01 Insurance Business TV recently attended in Scottdale the 25th annual TMPAA annual summit. Whilst there, we caught up with leading insurance professionals to address some of the top challenges the industry is facing today. 00:17 I’m here with Matthew Jones, head of business development and Transverance Ventures as MS Transfer. 00:26 The specialty program […]
- [NAIC Heads Back to the Lab on Annuity Suitability | Carlton Fields](https://www.insuracarelife.com/blog/naic-heads-back-to-the-lab-on-annuity-suitability-carlton-fields/): After the National Association of Insurance Commissioners’ (NAIC) Annuity Suitability (A) Working Group published its 2025 technical report, aimed at insurers, on “Annuity Best Interest Regulatory Guidance and Considerations,” the working group immediately went back into the lab to embark on a new phase of work. The report evaluated insurers’ obligations when they delegate the […]
- [The Document Few May Read and Why It Is the Most Important Thing in Your SNP | Ankura](https://www.insuracarelife.com/blog/the-document-few-may-read-and-why-it-is-the-most-important-thing-in-your-snp-ankura/): I was sitting with a model of care (MOC) recently — not skimming it, actually reading it — and it brought back a conversation I had with a colleague that I have not been able to shake. We were talking about our years leading case management teams inside Special Needs Plans (SNPs). Both of us […]
- [Rising Scrutiny of Employer Health Plan Administration: ERISA Fiduciary Litigation, Federal Transparency Initiatives, State Enforcement, and Compliance Considerations | Jones Day](https://www.insuracarelife.com/blog/rising-scrutiny-of-employer-health-plan-administration-erisa-fiduciary-litigation-federal-transparency-initiatives-state-enforcement-and-compliance-considerations-jones-day/): As federal and state governments continue to prioritize drug pricing reform, employers across the nation face a rapidly evolving landscape of legal and regulatory scrutiny regarding the management of their health plans. A convergence of class action ERISA litigation, inquiries from a coalition of 14 states, and increased federal emphasis on health care price transparency […]
- [Seven Key Strategies for Successful Subcontracting | Frantz Ward LLP](https://www.insuracarelife.com/blog/seven-key-strategies-for-successful-subcontracting-frantz-ward-llp/): Taking the time to read and understand your subcontract is a necessary step for any successful project. Although subcontracts are not uniform and can be quite lengthy, these are the top seven provisions you need to understand. 1. Incorporation by Reference / Flow Down Subcontracts almost universally incorporate the Prime Contract between the owner and […]
- [UK Insurance Horizon Scanner 2026 - May | Hogan Lovells](https://www.insuracarelife.com/blog/uk-insurance-horizon-scanner-2026-may-hogan-lovells/): DATE (2026) DETAILS During 2026 Digital Markets, Competition and Consumers Act 2024: It is expected that the FCA will consult on changes to the FCA Handbook to reflect the Act.* During 2026 Sales processes: FCA is carrying out an analysis on how different sales processes affect customer outcomes.* And it is working with industry and […]
- [Allianz transfers global commercial cyber portfolio to Coalition](https://www.insuracarelife.com/blog/allianz-transfers-global-commercial-cyber-portfolio-to-coalition/): Coalition’s model combines cybersecurity tools, continuous scanning of insureds’ digital infrastructure, and incident response services with traditional cyber policy coverage. Coupled with Allianz’s multinational client base, broker relationships, and local operations in numerous countries, the partners plan to offer a coordinated cyber insurance product for businesses across different segments. The agreement builds on a relationship […]
- [Health Plans Are the Next Fiduciary Litigation Target | Bricker Graydon Wyatt LLP](https://www.insuracarelife.com/blog/health-plans-are-the-next-fiduciary-litigation-target-bricker-graydon-wyatt-llp/): For years, employers have treated fiduciary governance as a retirement‑plan issue. Formal committees, documented processes, and ongoing oversight became standard in response to excessive fee litigation and regulatory scrutiny.  Health and welfare plans, for the most part, had been largely ignored.  That is now changing. Recent litigation makes clear that ERISA’s fiduciary standards apply with […]
- [GEICO chases Florida chiropractor over alleged $1.25 million PIP scheme](https://www.insuracarelife.com/blog/geico-chases-florida-chiropractor-over-alleged-1-25-million-pip-scheme/): The auto insurer laid out its case in a federal lawsuit filed May 5, 2026, in the US District Court for the Southern District of Florida. The defendants are Adrian Sagman, a licensed chiropractor; his practice, Adrian Sagman, D.C., P.A., which does business as Miramar Medical Center; and a second entity he owns, Dorsal Rehab, Inc. […]
- [Ohio Federal Court Says Human Trafficking Claims Can Be Covered “Occurrences” Under CGL Policy | Carlton Fields](https://www.insuracarelife.com/blog/ohio-federal-court-says-human-trafficking-claims-can-be-covered-occurrences-under-cgl-policy-carlton-fields/): Hotels across the country in the past decade have experienced a wave of litigation under the Trafficking Victims Protection Reauthorization Act (TVPRA). The law provides victims of certain human trafficking crimes with a civil cause of action against both the traffickers and those who knowingly benefited from their participation in a venture with those traffickers. […]
- [Allstate accuses Chicago surgery center of running fraud scheme](https://www.insuracarelife.com/blog/allstate-accuses-chicago-surgery-center-of-running-fraud-scheme/): Five Allstate entities are named as plaintiffs, lining up against more than a dozen defendants. According to the filing, the cast includes Rogers Park itself, the surgery center’s current and former owners Narjisha Thowfeek and Mohamed Sirajudeen (also known as Mohamed Siraj), Peterson Surgery Center LLC (now doing business as Rogers Park Surgery Center), chiropractor Manish D. Pandya, several affiliated providers – 87th Street Rehab […]
- [Already Have Life Insurance? Why an ILIT May Be Worth It | Farrell Fritz, P.C.](https://www.insuracarelife.com/blog/already-have-life-insurance-why-an-ilit-may-be-worth-it-farrell-fritz-p-c/): With a federal estate tax rate of 40%, estate planning conversations often start and stop with the relatively high federal exemption (currently $15 million for individuals and $30 million for married couples). That can make estate tax exposure feel remote. In practice, however, many taxpayers may face a different reality at the state level. For […]
- [Global insurers retain capital in severe 1-in-250 catastrophe](https://www.insuracarelife.com/blog/global-insurers-retain-capital-in-severe-1-in-250-catastrophe/): Role of reinsurance, retrocession, and pricing in net losses The report details how risk transfer and catastrophe pricing shape net exposure. The 50 insurers with the largest natural catastrophe exposure face a combined gross exposure of about $430 billion under the 1-in-250-year event. After reinsurance and retrocession, mean exposure falls from about 34% of capital […]
- [Navigating PBM Reform: Regulatory Changes, Market Shifts, and Practical Guidance for ERISA Fiduciaries | Verrill](https://www.insuracarelife.com/blog/navigating-pbm-reform-regulatory-changes-market-shifts-and-practical-guidance-for-erisa-fiduciaries-verrill/): Pharmacy Benefit Manager (“PBM”) arrangements have long relied on rebates with limited transparency into true drug costs. Recent regulatory and market developments represent a shift toward greater transparency and better net pricing. These developments span a broad range of actors and approaches, including increased regulation of PBMs by the states, legislative, rule-making and agency actions […]
- [Nonprofit Glancy Wine Education Foundation Releases 2026 Impact Report Marking 6 Years of Progress Diversifying U.S. Wine Industry](https://www.insuracarelife.com/blog/nonprofit-glancy-wine-education-foundation-releases-2026-impact-report-marking-6-years-of-progress-diversifying-u-s-wine-industry/): CALIFORNIA NEWSWIRE (SAN FRANCISCO, Calif.) — NEWS: The Glancy Wine Education Foundation (GWEF), a 501(c)(3) nonprofit dedicated to advancing diversity in the wine industry through scholarships for underserved professionals, today released its 2026 Impact Report. The report details the Foundation’s cumulative work since its 2020 founding and introduces newly compiled data on the demographic communities […]
- [Big cats enter pet insurance: Why global giants are turning to Lassie](https://www.insuracarelife.com/blog/big-cats-enter-pet-insurance-why-global-giants-are-turning-to-lassie/): In the US, Zurich North America has underwritten TrustedPals since 2019, a Marsh-built program targeting more than 183 million cats and dogs and distributed direct, via affinity, and through employer-sponsored voluntary benefit programmes brokered by Mercer. In Germany, Zurich’s direct-to-consumer arm DA Direkt launched the petolo brand in 2021 with telemedicine baked in; the platform’s […]
- [How to Score Affordable Full Coverage Car Insurance Without Sacrificing Protection](https://www.insuracarelife.com/blog/how-to-score-affordable-full-coverage-car-insurance/): Understanding Full Coverage Car Insurance Full coverage car insurance is often perceived as a comprehensive policy that offers a blend of essential protections for vehicle owners. Typically, this type of insurance includes three primary components: liability coverage, collision coverage, and comprehensive coverage. Each of these elements plays a crucial role in providing financial security and […]
- [Red Flags Everywhere! – Ten Risks for Directors – Week 10 | Morrison & Foerster LLP](https://www.insuracarelife.com/blog/red-flags-everywhere-ten-risks-for-directors-week-10-morrison-foerster-llp/): D&O Insurance and Indemnification: Understand Your Safety Net Before You Need It Each week for the next 10 weeks, we will publish an installment of our Red Flags Everywhere! series, highlighting key risk areas that public companies and their board of directors should keep top of mind. This series will serve as a lead up […]
- [Marine insurer SIGCo, shipowner settle coral reef damage case for $17 million](https://www.insuracarelife.com/blog/marine-insurer-sigco-shipowner-settle-coral-reef-damage-case-for-17-million/): The dispute traces back to the grounding of the tank vessel T/V Margara in Puerto Rican waters, an incident that posed a substantial threat of an oil discharge and damaged coral reefs and associated marine resources. The United States, acting on behalf of the Coast Guard and the National Oceanic and Atmospheric Administration, filed suit […]
- [Fifth Circuit Remands Order Dismissing Claims Brought Under Reinsurance Intermediary Authorization Agreement | Carlton Fields](https://www.insuracarelife.com/blog/fifth-circuit-remands-order-dismissing-claims-brought-under-reinsurance-intermediary-authorization-agreement-carlton-fields/): The Fifth Circuit Court of Appeals has affirmed in part and reversed in part an order dismissing plaintiff Porch.com’s breach of contract claims brought under a reinsurance intermediary authorization agreement (RIAA) remanding the case for further proceedings. Porch.com, through its casualty and property insurance subsidiary Homeowners of America Co. (HOA), and Gallagher Re, a reinsurance […]
- [DocMagic, Inc. has announced it received two new certifications from MISMO](https://www.insuracarelife.com/blog/docmagic-inc-has-announced-it-received-two-new-certifications-from-mismo/): CALIFORNIA NEWSWIRE (TORRANCE, Calif.) — NEWS: DocMagic, Inc. has announced that it received two new certifications from MISMO, the Mortgage Industry Standards Maintenance Organization. MISMO’s eVault System Certification covers SmartSAFE, DocMagic’s core eVault for managing eNote workflows and MERS eRegistry activity, and SmartSAFE XL, an API-first eVault designed for enterprise environments that require flexible deployments […]
- [Hudson Insurance hit with bad-faith suit over halved crop payouts](https://www.insuracarelife.com/blog/hudson-insurance-hit-with-bad-faith-suit-over-halved-crop-payouts/): The growers took the dispute to arbitration, as the policy’s Paragraph 20 required. According to the complaint, the arbitrator’s amended award found that each plaintiff filed his own FSA-578 forms, kept his own tobacco contracts, sales receipts and soybean receipts, and signed his own assignments of indemnity. The arbitrator also found, the filing states, that Hudson “did […]
- [[Podcast] Episode 5: Defending Reality: Combating Synthetic Media Through Deepfake Response Coverage | Wiley Rein LLP](https://www.insuracarelife.com/blog/podcast-episode-5-defending-reality-combating-synthetic-media-through-deepfake-response-coverage-wiley-rein-llp/): As synthetic media becomes more convincing, cyber risk is expanding beyond our systems and into perception itself. Impersonation events challenge the architecture of “traditional” cyber insurance, which is built around technical failure and security events. In this episode of The Cyber Periscope, Pam Signorello sits down with Michael Phillips, Head of Global Cyber Portfolio Underwriting […]
- [Hillcrest Expands Community Living in La Verne, CA, with Gateway Neighborhood Homes Project](https://www.insuracarelife.com/blog/hillcrest-expands-community-living-in-la-verne-ca-with-gateway-neighborhood-homes-project/): CALIFORNIA NEWSWIRE (LA VERNE, Calif.) — NEWS: Hillcrest, a senior living community in La Verne, CA (Los Angeles County), is expanding and connecting its campus with the addition of the Gateway Project. The project includes a walkway connecting its east and west campuses, a new neighborhood of single-family homes, and the renovation of three existing […]
- [The Allstate Foundation commits $15M to increase youth-led service across the country ](https://www.insuracarelife.com/blog/the-allstate-foundation-commits-15m-to-increase-youth-led-service-across-the-country/): Key takeaways  The Allstate Foundation has a long-standing commitment to youth empowerment, helping young people serve and improve their communities.  Research conducted by The Allstate Foundation in partnership with Gallup found that youth-led service is linked to stronger career readiness, connection and resilience.  Building on this long-standing commitment and putting the research findings into action, The Allstate Foundation is committing $15 million in total funding to seven of the country’s largest […]
- [What is State Farm building for 2030?](https://www.insuracarelife.com/blog/what-is-state-farm-building-for-2030/): Since 2019, State Farm has invested in 26 venture-backed companies with a clear concentration in automotive and insurance technology. Automotive-focused firms alone account for roughly 37% of total venture-linked funding, while insurance technology adds another $420 million. This strategy accelerated sharply in 2023, when 90% of companies backed by mutual developed auto and insurance platforms, […]
- [HIPAA Enforcement Action Against Employer-Sponsored Health Plan for Ransomware Attack | Haynes Boone](https://www.insuracarelife.com/blog/hipaa-enforcement-action-against-employer-sponsored-health-plan-for-ransomware-attack-haynes-boone/): On April 23, 2026, the HHS’s Office for Civil Rights (“OCR”) announced a settlement with a self-funded employer-sponsored group health plan (the “Plan”) following a ransomware attack that resulted in a breach of electronic protected health information (“PHI”). Under the settlement, the Plan agreed to pay $245,000 to OCR and to implement a two-year corrective […]
- [K2 grows small commercial reach with Oculus Underwriters acquisition](https://www.insuracarelife.com/blog/k2-grows-small-commercial-reach-with-oculus-underwriters-acquisition/): Oculus Underwriters focuses on bespoke property insurance solutions for the small to medium-sized commercial market. Its book of business and underwriting capabilities will transfer into Vikco, broadening Vikco’s reach in that segment and adding further niche expertise in tailored commercial property programs. The company currently offers property solutions nationwide across the lower 48 states for […]
- [2025 ABA Private Target M&A Deal Points Study: What's Market? | Goulston & Storrs PC](https://www.insuracarelife.com/blog/2025-aba-private-target-ma-deal-points-study-whats-market-goulston-storrs-pc/): The ABA Private Target Mergers & Acquisitions Deal Points Study is published on a bi-annual basis. The 2025 Deal Points Study (the “Study”) analyzed 139 publicly available purchase agreements executed and closed in 2024 and the first quarter of 2025. The Study looks at several areas of negotiation, including financial terms, pervasive qualifiers, representations and […]
- [Hanover fights to end coverage for property manager in tenant class action](https://www.insuracarelife.com/blog/hanover-fights-to-end-coverage-for-property-manager-in-tenant-class-action/): The trouble started with David Friend, a tenant at the Solace apartment complex in Portland, according to the filing. Friend filed a class action accusing Marathon – which, the filing says, also manages other Oregon complexes including Glendoveer Woods, Bridgeton, McKinney Lane, Bell Tower, Willamette Estates and Arris – of breaking the state’s landlord-tenant statutes […]
- [Qui Tam Wage‑and‑Hour Action Not an “Employment Claim” and Thus No Duty to Defend | Wiley Rein LLP](https://www.insuracarelife.com/blog/qui-tam-wage-and-hour-action-not-an-employment-claim-and-thus-no-duty-to-defend-wiley-rein-llp/): The U.S. District Court for the Central District of California, applying California law, held that an employment practices liability insurer owed no duty to defend a qui tam action alleging prevailing-wage violations because the claims were not brought “by or on behalf of an Employee” and therefore did not involve a covered “Employment Claim” and, […]
- [Key Health Care Issues to Track in 2026 in Alabama | Maynard Nexsen](https://www.insuracarelife.com/blog/key-health-care-issues-to-track-in-2026-in-alabama-maynard-nexsen/): Alabama’s 2026 health care landscape is shaped by several trends: (i) rural-hospital financial distress and access gaps; (ii) new public and private financing tools; (iii) antitrust immunities for rural providers; (iv) federal and state guardrails on payer use of artificial intelligence in utilization management; (v) extended Medicare telehealth flexibilities through 2027; and (vi) notable legislative […]
- [The AI Coverage Gap: What New Insurance Exclusions Mean for Your Business | Lathrop GPM](https://www.insuracarelife.com/blog/the-ai-coverage-gap-what-new-insurance-exclusions-mean-for-your-business-lathrop-gpm/): As companies increasingly integrate artificial intelligence (AI) – particularly generative AI – into day-to-day business operations, insurance carriers are moving quickly to limit their exposure. Several carriers have already introduced new policy exclusions that may significantly narrow coverage for companies that develop, use or rely on AI‑generated content. Recent Insurance Services Office, Inc. (ISO) endorsements […]
- [University of Virginia coxswain and volunteer firefighter and EMT Shelby Bavin named captain of the Allstate NACDA Spring Good Works Team](https://www.insuracarelife.com/blog/university-of-virginia-coxswain-and-volunteer-firefighter-and-emt-shelby-bavin-named-captain-of-the-allstate-nacda-spring-good-works-team/): Key takeaways: Allstate and NACDA named 20 student-athletes to the 2025-26 Spring Good Works Team for their excellence in community service, academics and athletics. UVA senior Shelby Bavin was selected as team captain for her dedication to protecting families in Charlottesville, Virginia as a volunteer firefighter and EMT. The Allstate NACDA Good Works Team was […]
- [Is Variable Universal Life Insurance a Good Investment? 2026](https://www.insuracarelife.com/blog/is-variable-universal-life-insurance-a-good-investment/): Understanding Variable Universal Life Insurance Variable universal life (VUL) insurance is a type of permanent life insurance that combines a death benefit with an investment component. This unique structure allows policyholders not only to provide financial security for their beneficiaries but also to accumulate cash value over time. As a result, evaluating whether variable universal […]
- [Funded Reinsurance: The PRA’s Proposed Changes to Capital Treatment – the Final Landing Place? | Mayer Brown](https://www.insuracarelife.com/blog/funded-reinsurance-the-pras-proposed-changes-to-capital-treatment-the-final-landing-place-mayer-brown/): SUMMARY In its consultation paper CP8/26 published on 29 April, the Prudential Regulation Authority (“PRA”) proposed changes to the regulatory treatment of funded reinsurance (“Funded Re”) that would significantly raise the amount of capital UK insurers would be required to hold for Funded Re transactions. CP8/26 represents a much-awaited (and much-needed) clarification of the PRA’s […]
- [Multiple vessels hit or destroyed, UAE port hit as US and Iran trade fire in Hormuz](https://www.insuracarelife.com/blog/multiple-vessels-hit-or-destroyed-uae-port-hit-as-us-and-iran-trade-fire-in-hormuz/): Cooper was careful to reframe the nature of the American operation on Monday. There are no ship-by-ship “escorts,” he said – rather, the US has assembled “multiple layers” of protection including ships, helicopters, aircraft, airborne early warning and electronic warfare. “I think we have a much better defensive arrangement in this process,” he said. The […]
- [The Cyber Brief | CISA Issues Advisory on Increase in Iranian-Affiliated Cyber Attacks Across U.S. Critical Infrastructure | Nelson Mullins Riley & Scarborough LLP](https://www.insuracarelife.com/blog/the-cyber-brief-cisa-issues-advisory-on-increase-in-iranian-affiliated-cyber-attacks-across-u-s-critical-infrastructure-nelson-mullins-riley-scarborough-llp/): Summary: CISA warns of Iranian‑linked cyber activity aimed at disrupting U.S. critical infrastructure. Recent attacks demonstrate immediate operational, reputational, and legal consequences. Over the past several weeks, I have been closely following the events unfolding in Iran and the potential implications for organizations operating in an increasingly volatile geopolitical environment. My work has long focused […]
- [California sues to take State Farm's license away and seeks record penalties](https://www.insuracarelife.com/blog/california-sues-to-take-state-farms-license-away-and-seeks-record-penalties/): The Disaster Recovery Reform Act (SB 876, Padilla) would require insurers to maintain disaster recovery plans, double penalties during declared emergencies, mandate restitution to policyholders, and address the kind of adjuster reassignment delays documented in the State Farm examination. The Smoke Damage Recovery Act (AB 1795, Gipson) would establish California’s first enforceable public health and […]
- [California Environmental Law & Policy Update 5.1.26 | Allen Matkins](https://www.insuracarelife.com/blog/california-environmental-law-policy-update-5-1-26-allen-matkins/): Focus Local News Matters – April 27 The San Francisco Bay Regional Water Quality Control Board has fined a sanitation district in eastern Contra Costa County a record $5.6 million for a sewage spill in Suisun Bay, the largest administrative civil liability penalty ever issued by this regional board. The board approved the settlement with […]
- [Marsh has decided it wants to be a racing car. And you know what? Fair play to them](https://www.insuracarelife.com/blog/marsh-has-decided-it-wants-to-be-a-racing-car-and-you-know-what-fair-play-to-them/): The real jewel in the partnership, though, is something called Risk Perspective — a content series that will live on F1.com and the official F1 app, examining nine specific circuits where drivers and teams must read risk, adapt under pressure, and make decisions in fractions of a second. This is, frankly, brilliant. Not because it […]
- [CMS Proposes Ending “Fast-Track” NTAP Pathways for Breakthrough Devices | Gardner Law](https://www.insuracarelife.com/blog/cms-proposes-ending-fast-track-ntap-pathways-for-breakthrough-devices-gardner-law/):   The Centers for Medicare & Medicaid Services’ (CMS) FY 2027 Inpatient Prospective Payment System (IPPS) Proposed Rule is framed as a hospital payment update, but for many FDA-regulated companies, its real significance is that it would eliminate the fast-track New Technology Add-On Payment (NTAP) alternative pathways that have helped bridge the gap between FDA […]
- [MSIG USA names Patrick Dougherty to lead surety](https://www.insuracarelife.com/blog/msig-usa-names-patrick-dougherty-to-lead-surety/): The rating and launch of the platform come as the US surplus lines market continues to be one of the fastest-growing parts of the property-casualty sector, driven by tightening appetite in admitted markets and elevated catastrophe, liability, and social inflation pressures. Brokers have increasingly turned to E&S carriers for complex property schedules, higher-hazard casualty business, […]
- [Sixth Circuit Rules ERISA Preempts Portions of Tennessee’s PBM Laws | Krieg DeVault](https://www.insuracarelife.com/blog/sixth-circuit-rules-erisa-preempts-portions-of-tennessees-pbm-laws-krieg-devault/): On April 7, 2026, the Court of Appeals for the Sixth Circuit affirmed that portions of Tennessee’s pharmacy benefit manager (“PBM”) laws are preempted by the Employee Retirement Income Security Act (“ERISA”) as applied to self-funded employer health plans. The decision in McKee Foods Corporation v. BFP, Inc., No. 25-5416, is a significant win for […]
- [North Carolina proposes mandatory liability insurance for motocross facilities](https://www.insuracarelife.com/blog/north-carolina-proposes-mandatory-liability-insurance-for-motocross-facilities/): Under the proposed legislation, a person – defined broadly to include individuals, associations, partnerships, limited liability companies, firms, corporations, and private organizations – cannot own or operate a motocross facility unless that person carries insurance coverage from an accepted insurer. The coverage floor is set at one million dollars per occurrence and two million dollars in the aggregate against […]
- [Emerging Alternatives for GLP-1 Prescription Drug Coverage: What Plan Sponsors Need to Know | Bass, Berry & Sims PLC](https://www.insuracarelife.com/blog/emerging-alternatives-for-glp-1-prescription-drug-coverage-what-plan-sponsors-need-to-know-bass-berry-sims-plc/): As GLP-1 medications become an increasingly significant cost driver for employer-sponsored health plans, plan sponsors are seeking creative solutions beyond conventional pharmacy benefit manager (PBM) channels. Direct-to-consumer reimbursement models have emerged as a compelling alternative, enabling participants to obtain these medications at reduced prices while shifting claims processing outside traditional PBM frameworks. Below, we outline […]
- [Berkshire Hathaway units score win in $535M asbestos-talc bankruptcy ruling](https://www.insuracarelife.com/blog/berkshire-hathaway-units-score-win-in-535m-asbestos-talc-bankruptcy-ruling/): The case matters to the insurance industry because of who is standing behind the debtors. National Indemnity Company, a Berkshire Hathaway subsidiary, acquired the debtors’ parent companies years after the 2004 asset sale, later assigning its acquisition rights to fellow Berkshire affiliate Ringwalt & Liesche Co., which remains the debtors’ ultimate parent. Through a chain of indemnity agreements, National Indemnity currently backstops certain […]
- [Maximizing Insurance Coverage for Emerging ‘Tobacco Surcharge’ ERISA Litigation | McGuireWoods LLP](https://www.insuracarelife.com/blog/maximizing-insurance-coverage-for-emerging-tobacco-surcharge-erisa-litigation-mcguirewoods-llp/): Employers nationwide are experiencing a new wave of ERISA litigation targeting so-called “tobacco surcharges” on employees enrolled in employer-sponsored health plans. Because these lawsuits are generally brought as putative class actions, the stakes can be significant and some multi-million dollar settlements have already become public. But employers need not face the costs of defending and […]
- [USAA, State Farm win as court narrows cooperation statute scope](https://www.insuracarelife.com/blog/usaa-state-farm-win-as-court-narrows-cooperation-statute-scope/): The court acknowledged that the statute’s use of the word “cooperate” was ambiguous, since it could mean either the everyday sense of working together or the narrower, contract-specific meaning familiar in insurance law. Turning to legislative history, the court examined testimony from the 2020 House Judiciary Committee hearing on the bill. Legislators appeared divided on […]
- [2026 Legislative Recap – 114th Tennessee General Assembly, Second Session | Bass, Berry & Sims PLC](https://www.insuracarelife.com/blog/2026-legislative-recap-114th-tennessee-general-assembly-second-session-bass-berry-sims-plc/): The 114th General Assembly adjourned sine die on Thursday, April 23, after a dynamic and spirited legislative session. The session kicked off with a devastating ice storm in Middle Tennessee, resulting in an extended but condensed bill-filing period, and ended with an unprecedented number of conference committees, spurring lively debates on the House and Senate […]
- [Indiana court rules watercraft exclusion bars Superfund coverage for barge company](https://www.insuracarelife.com/blog/indiana-court-rules-watercraft-exclusion-bars-superfund-coverage-for-barge-company/): The dispute centers on a barge cleaning facility in Jennings, Louisiana, operated by an entity known as SBA from 1965 to 1993. During that period, barges owned by National Marine – the predecessor to American Commercial Barge Line (ACBL), an Indiana-based barge transportation company – were sent to the site for cleaning. National Marine merged […]
- [Untangling Transportation Workers’ Compensation Claims in New York: A Defense-Oriented Roadmap | Goldberg Segalla](https://www.insuracarelife.com/blog/untangling-transportation-workers-compensation-claims-in-new-york-a-defense-oriented-roadmap-goldberg-segalla/): Introduction Workers’ compensation claims arising from the transportation industry in New York State routinely present challenges far beyond those found in more traditional employment settings. Multi-layered contracting relationships, inconsistent insurance coverage, and statutory presumptions favoring employment often combine to create what defense counsel encounter as a true “coverage nightmare.” For insurers, employers, and third-party administrators, […]
- [Washington court upholds workers' comp overpayment crackdown on vocational school](https://www.insuracarelife.com/blog/washington-court-upholds-workers-comp-overpayment-crackdown-on-vocational-school/): Trouble began surfacing as early as 2014, when workers, DLI staff, and vocational counselors raised concerns about the school. By June 2019, DLI launched a formal audit covering July 2015 through June 2018. What it found was not encouraging. The school provided incomplete records in response to audit requests. Its minimum typing speed requirement for […]
- [I Scream, You Scream, We All Scream for D&O Insurance: An Analysis of the Blue Bell Creameries Litigation | Ropers Majeski](https://www.insuracarelife.com/blog/i-scream-you-scream-we-all-scream-for-do-insurance-an-analysis-of-the-blue-bell-creameries-litigation-ropers-majeski/): In 2015, Texas-based ice cream darling Blue Bell Creameries was forced to implement a nationwide recall of its products after a mass Listeria outbreak. Indeed, the fallout was severe: a hefty DOJ fine of $19.35 million, the disposal of over 8 million gallons of product, and layoffs of approximately 37% of Blue Bell’s workforce.  What […]
- [New York bill targets auto insurers with sweeping transparency mandate](https://www.insuracarelife.com/blog/new-york-bill-targets-auto-insurers-with-sweeping-transparency-mandate/): The financial statements would need to be detailed enough to allow for an actuarially sound analysis of all income sources, including premiums, investment income, and profit from sale of assets. On the expense side, insurers would have to disclose salaries, commissions, consulting fees, legal expenses, advertising costs, and other business expenses. One provision that is likely to […]
- [The Friday Five: Five ERISA Litigation Highlights - May 2026 | Saul Ewing LLP](https://www.insuracarelife.com/blog/the-friday-five-five-erisa-litigation-highlights-may-2026-saul-ewing-llp/): This month’s Friday Five explores decisions (1) upholding a choice of law provision in a long-term disability policy, (2) granting an administrator’s request for reimbursement after overpaying a claimant for years, (3) denying cross-motions for summary judgment in light of conflicting credible physicians’ reports, (4) applying a de novo standard of review due to an […]
- [Oregon court upholds workers' comp denial of nurse's combined condition claim](https://www.insuracarelife.com/blog/oregon-court-upholds-workers-comp-denial-of-nurses-combined-condition-claim/): After surgery, medical evidence showed that Mooney’s work-related radiculopathy had combined with those preexisting cervical conditions. On May 5, 2021, Legacy Health amended its acceptance to cover the combined condition, folding in the preexisting fusion, Brown-Sequard Syndrome, and cervical spondylosis at C6-7. Then, just one day later on May 6, 2021, the employer turned around and denied […]
- [The Practice Manual Podcast | Life (Re)insurance Sidecars | Skadden, Arps, Slate, Meagher & Flom LLP](https://www.insuracarelife.com/blog/the-practice-manual-podcast-life-reinsurance-sidecars-skadden-arps-slate-meagher-flom-llp/): On the first episode of “The Practice Manual,” host Robert Chaplin is joined by colleagues Feargal Ryan, Caroline Jaffer and Theo Charalambous to examine life (re)insurance sidecars, including what they are, how they work and why they matter. The team analyzes the U.K.’s booming pension risk transfer market and the key parties involved — sponsors, […]
- [Reiki Master, meditation guide, and mother of twins Ani Lalazarian writes the children’s book she wishes she had as a child](https://www.insuracarelife.com/blog/reiki-master-meditation-guide-and-mother-of-twins-ani-lalazarian-writes-the-childrens-book-she-wishes-she-had-as-a-child/): LOS ANGELES: When Ani Lalazarian changed careers in 2020, leaving the fashion world to become an energy healer, breathwork facilitator and spiritual guide, she held tight to one conviction: that children and adults all carry a special light within them-they simply need the tools to find it. Now, Dragonfly Dreams Press, LLC is releasing her […]
- [NJ court blocks IFCA discovery against GEICO before UIM resolution](https://www.insuracarelife.com/blog/nj-court-blocks-ifca-discovery-against-geico-before-uim-resolution/): At the trial court level, both insurers moved to pause the bad faith and IFCA claims until the UIM coverage disputes were sorted out, relying on well-established New Jersey precedent that treats bad faith discovery as premature while the underlying claim remains unresolved. Allstate sought dismissal of the claims without prejudice pending resolution of the […]
- [Time Bar on Vicarious Liability Claim Satisfies Adjudication Requirement of Exoneration Rule | Butler Weihmuller Katz Craig LLP](https://www.insuracarelife.com/blog/time-bar-on-vicarious-liability-claim-satisfies-adjudication-requirement-of-exoneration-rule-butler-weihmuller-katz-craig-llp/): Even in the absence of active negligence, entities may be vicariously liable under Florida law for the actions of others. Two common examples of this are the dangerous instrumentality doctrine, under which the owner of a dangerous instrumentality, such as a motor vehicle, is liable for the negligence of a permissive driver, and respondeat superior, […]
- [Gallagher leans on AssuredPartners deal to power Q1 earnings jump](https://www.insuracarelife.com/blog/gallagher-leans-on-assuredpartners-deal-to-power-q1-earnings-jump/): “We had a terrific first quarter,” said J. Patrick Gallagher, Jr., chairman and CEO. “Our results reflect the strength and consistency of our business model across the dynamic insurance and economic environment. We remain focused on organic growth, strategic mergers and acquisitions, investment in productivity and quality, and maintaining our culture. We are also seeing the […]
- [Second Circuit Narrows Insurers’ Ability to Deny No‑Fault Claims Based on Provider Misconduct | Marshall Dennehey](https://www.insuracarelife.com/blog/second-circuit-narrows-insurers-ability-to-deny-no-fault-claims-based-on-provider-misconduct-marshall-dennehey/): GEICO v. Mayzenberg, No. 22-2537 (2d Cir. Mar. 10, 2026) This dispute centered on GEICO’s attempt to recover millions of dollars in New York no-fault reimbursements from acupuncture and chiropractic clinics that allegedly engaged in illegal “kickback” schemes to procure patients. The Second Circuit vacated a lower court’s ruling in favor of the insurer, determining […]
- [Fintech Innovator, Secured Signing API Integration Marks Major Advancement in Digital Property Transaction Standards](https://www.insuracarelife.com/blog/fintech-innovator-secured-signing-api-integration-marks-major-advancement-in-digital-property-transaction-standards/): CALIFORNIA NEWSWIRE (MOUNTAIN VIEW, Calif.) — NEWS: Secured Signing, a global leader in Digital Signature and Remote Online Notarization (RON) technology, recently sat down with industry innovators Tall Poppy Real Estate to discuss the successful, large-scale integration of the Secured Signing API into their core proprietary platform. By embedding high-security digital signatures directly into its […]
- [Soft Market, Hard Pressure: Why Operations Now Decide Who Wins in Insurance](https://www.insuracarelife.com/blog/soft-market-hard-pressure-why-operations-now-decide-who-wins-in-insurance/): A soft insurance market across many lines is creating new growth opportunities, but it is also raising the bar on operational performance. As submissions grow more data-intensive, policyholder service expectations rise and product offerings expand, insurers, MGAs, brokers and agencies are seeking scalable ways to streamline insurance operations, automate underwriting workflows and manage compliance more efficiently. Insurance operational excellence is emerging as […]
- [PRA Proposes Funded Reinsurance Reform | Skadden, Arps, Slate, Meagher & Flom LLP](https://www.insuracarelife.com/blog/pra-proposes-funded-reinsurance-reform-skadden-arps-slate-meagher-flom-llp/): Executive Summary What’s new: On 29 April 2026, the PRA released Consultation Paper CP8/26, proposing a fundamental recalibration of the regulatory capital treatment of funded reinsurance transactions under Solvency UK. Why it matters: The proposed changes could double or even triple the capital insurers are required to hold for the average funded reinsurance transaction, creating […]
- [COME TOGETHER - A Community for Wine Launches Second Annual ‘Share & Pair Sundays’ Campaign for Spring 2026](https://www.insuracarelife.com/blog/come-together-a-community-for-wine-launches-second-annual-share-pair-sundays-campaign-for-spring-2026/): CALIFORNIA NEWSWIRE (SAN FRANCISCO, Calif.) — NEWS: COME TOGETHER-A Community for Wine Inc., the mission-driven company behind the Come Over October™ and Share & Pair Sundays™ wine advocacy campaigns, today announced the launch of the second annual Share & Pair Sundays campaign, running May 3 through June 28, 2026. Across nine consecutive Sundays, anchored by […]
- [Specialty market seeing structural change from litigation, emerging risks: Ironshore president](https://www.insuracarelife.com/blog/specialty-market-seeing-structural-change-from-litigation-emerging-risks-ironshore-president/): Litigation now a structural pressure, not a cyclical one Another key issue is social inflation and legal system abuse, which have driven sustained claims inflation, particularly in liability lines, making profitability difficult at current pricing levels. As a result, insurers are increasing rates across sectors such as auto, excess liability, and healthcare; tightening terms and conditions; […]
- [Insurance Class Action Report, 2026 Q1 | BakerHostetler](https://www.insuracarelife.com/blog/insurance-class-action-report-2026-q1-bakerhostetler/): In the first quarter of 2026, circuit courts from around the country issued important decisions with potentially far-reaching implications for insurance class actions—and class actions more generally. In the Tenth Circuit, the court reaffirmed the application of the statute of limitations with respect to claims for illusory or deficient policy forms. Meanwhile, the Fourth Circuit […]
- [Hanover posts record Q1 earnings as pricing and property actions pay off](https://www.insuracarelife.com/blog/hanover-posts-record-q1-earnings-as-pricing-and-property-actions-pay-off/): Catastrophe losses in Personal Lines were $58.9 million, or 9.1 points of the combined ratio, versus $34.9 million, or 5.6 points, a year earlier. This included $80.2 million of current‑year catastrophe losses, partially offset by $21.3 million of favorable prior‑year catastrophe reserve development, largely related to 2025 events. Excluding catastrophes, the current accident year combined […]
- [Can Medicare Patients Fight a Hospital Discharge? What You Need to Know | Mandelbaum Barrett PC](https://www.insuracarelife.com/blog/can-medicare-patients-fight-a-hospital-discharge-what-you-need-to-know-mandelbaum-barrett-pc/): A hospital stay can be stressful for both patients and their families. For many Medicare beneficiaries, the situation becomes even more concerning when a hospital announces a discharge before the patient feels ready to leave. While hospitals regularly make discharge decisions based on medical and administrative guidelines, Medicare patients have important rights if they believe […]
- [Domaine Carneros in Napa Valley Sets Sail on Its Next Culinary Voyage with the Newest ‘Bubbles & Bites’ Menu](https://www.insuracarelife.com/blog/domaine-carneros-in-napa-valley-sets-sail-on-its-next-culinary-voyage-with-the-newest-bubbles-bites-menu/): CALIFORNIA NEWSWIRE (NAPA, Calif.) — NEWS: Since its debut in 2018, the beloved Bubbles & Bites tasting series has transported Domaine Carneros’ guests around the world one menu at a time. From Mexico to Morocco, Spain and the Mediterranean, Southeast Asia and most recently Peru, this celebration of diverse cultural culinary traditions now highlights the […]
- [Allstate announces availability of first quarter 2026 results](https://www.insuracarelife.com/blog/allstate-announces-availability-of-first-quarter-2026-results/): NORTHBROOK, Ill., April 29, 2026 – The Allstate Corporation (NYSE: ALL) has filed a Form 8-K reporting its financial results for the quarter ended March 31, 2026. You can find the Form 8-K, including the earnings release and investor supplement, on the company’s page at sec.gov. These materials are also now available at www.allstateinvestors.com, including the press release.   The Allstate […]
- [The Hidden Cost of Legacy Insurance Systems](https://www.insuracarelife.com/blog/the-hidden-cost-of-legacy-insurance-systems/): Insurance organizations are under pressure to move faster, operate more efficiently, and improve financial performance. Yet many carriers, MGAs, reinsurers, and program businesses are still relying on fragmented systems, manual workflows, spreadsheets, and delayed reporting to run critical parts of their operations.  This white paper, commissioned by INTX Insurance Software and supported by independent RSM field research, […]
- [New Jersey Adopts the Travel Insurance Act | Bressler, Amery & Ross, P.C.](https://www.insuracarelife.com/blog/new-jersey-adopts-the-travel-insurance-act-bressler-amery-ross-p-c/): On April 18, 2026, New Jersey made effective the Travel Insurance Act designed to promote public welfare by creating a comprehensive legal framework in which travel coverage could be sold in the state. Applying to travel insurance policies that cover any New Jersey resident, and policies which are sold, solicited, negotiated, or offered in New […]
- [Colorado Supreme Court shields Hertz from bad-faith claims in split ruling](https://www.insuracarelife.com/blog/colorado-supreme-court-shields-hertz-from-bad-faith-claims-in-split-ruling/): The insurance arrangement behind the supplemental coverage is where things get interesting for the industry. The actual policy was issued by ACE American Insurance Company, referred to in the case as Chubb. Under that policy, Chubb was the insurer, Hertz was the named insured, and Rakhimov and the passengers were additional insureds. Claims handling was delegated to […]
- [FDIC Proposes GENIUS Act Rules: How Do They Compare to the OCC Proposal? | Mayer Brown](https://www.insuracarelife.com/blog/fdic-proposes-genius-act-rules-how-do-they-compare-to-the-occ-proposal-mayer-brown/): On April 9, 2026, the Federal Deposit Insurance Corporation (“FDIC”) issued a Notice of Proposed Rulemaking (the “FDIC Proposal”) to implement the Guiding and Establishing National Innovation for U.S. Stablecoins Act (the “GENIUS Act”) for the issuance of payment stablecoins and certain related activities by entities subject to the FDIC’s jurisdiction. The FDIC Proposal generally […]
- [Travelers takes Peerless to court over Queens construction injury tender](https://www.insuracarelife.com/blog/travelers-takes-peerless-to-court-over-queens-construction-injury-tender/): Here is where the insurance fight begins. All Island’s commercial general liability policy with Peerless carries two additional insured endorsements, both tied to the same trigger – coverage applies for bodily injury “caused, in whole or in part, by” the named insured’s acts or omissions, or by those acting on its behalf, during ongoing operations. One of […]
- [Virginia’s New Paid Family and Medical Leave Law Is Not Just FMLA with Pay Added | Polsinelli](https://www.insuracarelife.com/blog/virginias-new-paid-family-and-medical-leave-law-is-not-just-fmla-with-pay-added-polsinelli/): Key Highlights On April 22, 2026, Virginia approved a statewide paid family and medical leave (PFML) program, joining several other states across the nation that have enacted such programs. The new program will be administered by the Virginia Employment Commission (VEC), funded through payroll contributions beginning April 1, 2028, and will begin paying benefits on […]
- [Long Beach Post and Long Beach Business Journal Join CA Nonprofit The LA Local](https://www.insuracarelife.com/blog/long-beach-post-and-long-beach-business-journal-join-ca-nonprofit-the-la-local/): CALIFORNIA NEWSWIRE (LONG BEACH, Calif.) — NEWS: The Long Beach Post and Long Beach Business Journal, two of the city’s most trusted independent news outlets, are joining The LA Local, a nonprofit news organization dedicated to building and supporting community-centered newsrooms across Los Angeles County. By joining The LA Local, the Post and Business Journal […]
- [Marsh insurance has decided it wants to be a racing car. And you know what? fair play to them](https://www.insuracarelife.com/blog/marsh-insurance-has-decided-it-wants-to-be-a-racing-car-and-you-know-what-fair-play-to-them/): The real jewel in the partnership, though, is something called Risk Perspective — a content series that will live on F1.com and the official F1 app, examining nine specific circuits where drivers and teams must read risk, adapt under pressure, and make decisions in fractions of a second. This is, frankly, brilliant. Not because it […]
- [[Webinar] Elevating Advocacy Through Courtroom Graphics - May 12th, 3:00 pm ET | IMS Legal Strategies](https://www.insuracarelife.com/blog/webinar-elevating-advocacy-through-courtroom-graphics-may-12th-300-pm-et-ims-legal-strategies/): May 12th, 2026 3:00 PM ET Join First Court and IMS Legal Strategies on May 12 at 3:00 PM ET for a complimentary webinar on elevating advocacy through courtroom graphics. Drawing from their experience supporting high-stakes litigation, IMS Trial Consultants Michelle Cooper, JD, and Andrew Buckley will examine how strategic visual storytelling can simplify technical […]
- [Top-Rated Life Insurance Companies in the United States](https://www.insuracarelife.com/blog/top-rated-life-insurance-companies-in-the-united-states/): Introduction to Life Insurance Life insurance serves as an essential component of a comprehensive financial plan, providing financial security for loved ones in the unfortunate event of a policyholder’s passing. As a risk management tool, it can offer peace of mind, knowing that beneficiaries will receive a financial benefit that can help cover living expenses, […]
- [Ninth Circuit blows open $162M legacy policy fight over aggregate limits](https://www.insuracarelife.com/blog/ninth-circuit-blows-open-162m-legacy-policy-fight-over-aggregate-limits/): The facts go back a long way. During World War II, the federal government leased and later expanded the Chino Airport for wartime operations, including the dismantling and melting of surplus aircraft into ingots. Those activities generated significant industrial waste that was discharged into the ground. In the 1960s and 70s, during the Vietnam War, tenants at […]
- [Ohio Supreme Court Rules Trial Courts Must Apply Specific Standards Before Ordering Disclosure of Privileged Claims Files | Marshall Dennehey](https://www.insuracarelife.com/blog/ohio-supreme-court-rules-trial-courts-must-apply-specific-standards-before-ordering-disclosure-of-privileged-claims-files-marshall-dennehey/): Eddy v. Farmers Property Cas. Ins. Co., 2026-Ohio-626 In an insurance bad faith action, a trial court may order production of an insurer’s claims file documents that are asserted to be protected by the attorney-client privilege and work product doctrine without first complying with R.C. 2317.02(A)(2) and Civ.R. 26(B)(4). The plaintiffs, the Eddys, were injured […]
- [Drivers use their cellphones more when speeding, telematics data show](https://www.insuracarelife.com/blog/drivers-use-their-cellphones-more-when-speeding-telematics-data-show/): 
 
 
 
 Drivers are more likely to use their cellphones while speeding, an IIHS analysis of data collected by insurers’ safe-driving apps shows.  
 By 
 April 28, 2026 
 
 
 
 

 
 Drivers are more likely to use their phones while speeding, a tendency that increases crash risk by combining two […]
- [Will Colorado's new attempt to cut insurance costs succeed where California failed?](https://www.insuracarelife.com/blog/will-colorados-new-attempt-to-cut-insurance-costs-succeed-where-california-failed/): The Colorado problem: real losses, not regulatory fiction Colorado’s insurance crisis is grounded in hard actuarial reality. Homeowners insurance premiums in the state have risen approximately 100% between 2018 and 2024, according to the Colorado Division of Insurance. The average annual premium now stands at roughly $4,086 – a rise of 58% from 2018 to […]
- [Court Bars Coverage for Late Notice and Pre-Notice Repairs | Cozen O'Connor](https://www.insuracarelife.com/blog/court-bars-coverage-for-late-notice-and-pre-notice-repairs-cozen-oconnor/): In Global Approach, Inc. v. Scottsdale Insurance Co., 2026 WL 1513430 (S.D. Fla. June 1, 2026), the United States District Court for the Southern District of Florida granted summary judgment to the insurer, holding that the insured’s six-week delay in reporting a water loss – coupled with pre-notice demolition and repairs – violated the policy’s […]
- [Eleventh Circuit Won’t Hear Georgia Sex Trafficking Coverage Dispute Without Final Judgment From District Court | Phelps Dunbar](https://www.insuracarelife.com/blog/eleventh-circuit-wont-hear-georgia-sex-trafficking-coverage-dispute-without-final-judgment-from-district-court-phelps-dunbar/): The United States Court of Appeals for the Eleventh Circuit recently declined to hear an insurer’s appeal of a Georgia federal court’s decision on the insurer’s duty to defend its insured against a sex-trafficking suit in Northfield Insurance Company v. North Brook Industries, Inc., d.b.a. United Inn and Suites. For insurers and insureds, the decision […]
- [IIHS launches evaluations of commercial vehicles, starting with driver protection](https://www.insuracarelife.com/blog/iihs-launches-evaluations-of-commercial-vehicles-starting-with-driver-protection/): 
 
 
 
 The first evaluations of cargo vans and heavy-duty pickups focus on five safety features that are essential for driver protection. 
 By 
 June 9, 2026 
 
 
 
 

 
 The Insurance Institute for Highway Safety is releasing results of its first evaluations of commercial vehicles. 
 Four of the […]
- [Minnesota Court of Appeals Holds that an Insurer's Reservation of Rights Can Entitle an Insured to Select Independent Counsel | Stinson LLP](https://www.insuracarelife.com/blog/minnesota-court-of-appeals-holds-that-an-insurers-reservation-of-rights-can-entitle-an-insured-to-select-independent-counsel-stinson-llp/): [co-author: Brandon Batchelor]* On June 1, 2026, the Minnesota Court of Appeals issued a decision in Fabyanske, Westra, Hart & Thomson, P.A. v. Western National Mutual Insurance Company, in which the court held that a conflict of interest on the part of counsel hired by an insurance carrier can entitle an insured to independent counsel […]
- [Health Care Week in Review | CMS Releases Interim Final Rule on Medicaid Work Requirements; House Appropriations Subcommittee Advances Labor-HHS Funding Bill | Alston & Bird](https://www.insuracarelife.com/blog/health-care-week-in-review-cms-releases-interim-final-rule-on-medicaid-work-requirements-house-appropriations-subcommittee-advances-labor-hhs-funding-bill-alston-bird/): Below is Alston & Bird’s Health Care Week in Review, which provides a synopsis of the latest news in health care regulations, notices, and guidance; federal legislation and congressional committee action; reports, studies, and analyses; and other health policy news. Highlight of the Week This week, CMS released an interim final rule implementing work requirements […]
- [Avoid a Clash over Cash: The Perks of Defining Actual Cash Value in a Policy | Zelle LLP](https://www.insuracarelife.com/blog/avoid-a-clash-over-cash-the-perks-of-defining-actual-cash-value-in-a-policy-zelle-llp/): Picture if you will a quiet Texas home. It’s unremarkable, cozy, and most importantly for the purposes of this article, insured. All is well at this humble domicile until disaster strikes in one of the many forms that the Texas climate can unleash. The culprit could be wind, water, or hail; either way, the result […]
- [Virginia Joins the Club: Paid Family and Medical Leave Coming Soon | Epstein Becker & Green](https://www.insuracarelife.com/blog/virginia-joins-the-club-paid-family-and-medical-leave-coming-soon-epstein-becker-green/): Governor Abigail Spanberger recently signed HB 1207 (the “Act”), establishing a new paid family and medical leave (PFML) insurance program in the Commonwealth of Virginia. As a result, Virginia will become the 16th state to provide PFML for private-sector employees.[1] Eligibility All Virginia employees of private employers whose earnings for at least two fiscal quarters […]
- [Making the Most of Your Product Liability Insurance: Batch Clauses | Venable LLP](https://www.insuracarelife.com/blog/making-the-most-of-your-product-liability-insurance-batch-clauses-venable-llp/): If your company manufactures, sells, or distributes any type of commercial good—from toothpaste to furniture to electronics—it almost certainly has liability insurance to protect it from potential product liability suits alleging that its goods injured consumer(s) or damaged their property. Specifically, most companies have a general liability policy that provides “first dollar” coverage after any […]
- [Bad Faith and Unfair Trade Practices Claims Against Insurers in North Carolina: What Policyholders Need to Know | Ward and Smith, P.A.](https://www.insuracarelife.com/blog/bad-faith-and-unfair-trade-practices-claims-against-insurers-in-north-carolina-what-policyholders-need-to-know-ward-and-smith-p-a/): You find yourself on the receiving end of a demand, a lawsuit, or a loss. You did everything right. You paid your premiums on time. You filed your claim promptly. You cooperated with the investigation. And yet, your insurer denied your claim or offered a fraction of what you believe your policy provides, with no […]
- [Healthcare Regulatory Check-Up Newsletter | April 2026 Recap | McDermott Will & Schulte](https://www.insuracarelife.com/blog/healthcare-regulatory-check-up-newsletter-april-2026-recap-mcdermott-will-schulte/): This issue of McDermott Will & Schulte’s Healthcare Regulatory Check-Up highlights regulatory activity for April 2026, including recent enforcement actions involving the False Claims Act (FCA), two favorable Office of Inspector General (OIG) advisory opinions, and proposed and final rules issued by the Centers for Medicare & Medicaid Services (CMS). We also discuss OIG’s updates […]
- [DOJ Announces Accelerated Review and Enhanced Enforcement in Benefits Fraud Matters | Jones Day](https://www.insuracarelife.com/blog/doj-announces-accelerated-review-and-enhanced-enforcement-in-benefits-fraud-matters-jones-day/): Following a trend among federal agencies to crack down on alleged fraud in taxpayer-funded federal programs, the Department of Justice (“DOJ”) Civil Division announced reforms that aim to leverage a whole-of-government approach to ensure that qui tam complaints alleging public benefits fraud receive accelerated review and evaluation for all available enforcement options. On May 27, […]
- [AI Governance Expectations on the Rise for Insurers Amid New Regulatory Activity: NYDFS Highlights Frontier Risks, Colorado Redefines its AI Law, and NAIC Prepares Regulators with New Tools | Hinshaw & Culbertson - Privacy, Cyber & AI Decoded](https://www.insuracarelife.com/blog/ai-governance-expectations-on-the-rise-for-insurers-amid-new-regulatory-activity-nydfs-highlights-frontier-risks-colorado-redefines-its-ai-law-and-naic-prepares-regulators-with-new-tools-hinshaw/): [co-author: Elyssa Eisenberg]* Insurance companies should treat recent developments in artificial intelligence (AI), privacy, and cybersecurity regulation as more than just policy signals. Regulators are moving toward examination-ready expectations for insurers’ use of AI and automated decision-making technology, while cybersecurity regulators are warning that frontier AI may materially increase the speed and scale of cyber […]
- [The Friday Five: Five ERISA Litigation Highlights - June 2026 | Saul Ewing LLP](https://www.insuracarelife.com/blog/the-friday-five-five-erisa-litigation-highlights-june-2026-saul-ewing-llp/): This month’s Friday Five explores the linear relationship between the information that must be exchanged between a claimant and a claims administrator and a court’s subsequent determination of a dispute between the two.  The information exchanged may take the form of the administrative record compiled by the insurer, the pleadings filed by the parties, discovery […]
- [Driverless Vehicles on British Roads: Operating Under the Self-Driving Pilot Scheme | Jones Day](https://www.insuracarelife.com/blog/driverless-vehicles-on-british-roads-operating-under-the-self-driving-pilot-scheme-jones-day/): In Short The Situation: The United Kingdom has opened the road to driverless commercial pilots. On 31 March 2026, the Centre for Connected and Autonomous Vehicles (“CCAV”) and the Department for Transport (“DfT”) published guidance on the Self-Driving Vehicle Pilot Scheme, setting out the application process and the safety, operational and reporting requirements for deploying […]
- [Federal Agencies Finalize Overhaul of No Surprises Act Dispute Resolution Process | ArentFox Schiff](https://www.insuracarelife.com/blog/federal-agencies-finalize-overhaul-of-no-surprises-act-dispute-resolution-process-arentfox-schiff/): The US Departments of Treasury, Labor, and Health and Human Services have issued a sweeping final rule (CMS-9897-F) implementing significant changes to the Federal Independent Dispute Resolution (IDR) process established under the No Surprises Act (NSA). This final rule has been long awaited by stakeholders, as changes were proposed by the Departments back in late […]
- [Massachusetts AG Accuses UnitedHealthcare of Inflating Medicaid Reimbursements | Cozen O'Connor](https://www.insuracarelife.com/blog/massachusetts-ag-accuses-unitedhealthcare-of-inflating-medicaid-reimbursements-cozen-oconnor/): 
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- [CMS Finalizes Updates to the Increasing Organ Transplant Access Model Ahead of Its Second Year in Operation | King & Spalding](https://www.insuracarelife.com/blog/cms-finalizes-updates-to-the-increasing-organ-transplant-access-model-ahead-of-its-second-year-in-operation-king-spalding/): On May 28, 2026, CMS published a final rule (Final Rule) updating and revising the Increasing Organ Transplant Access Model (the IOTA Model) for Performance Year (PY) 2 (and future performance years). The Final Rule, which follows a proposed rule published on December 11, 2025, and is set to be published in the Federal Register […]
- [When a Tort Claim Is Still a Tort Claim: The Tennessee Supreme Court Rejects Prejudgment Interest Against UM Carriers in Haddon v. Vanlier | Butler Snow LLP](https://www.insuracarelife.com/blog/when-a-tort-claim-is-still-a-tort-claim-the-tennessee-supreme-court-rejects-prejudgment-interest-against-um-carriers-in-haddon-v-vanlier-butler-snow-llp/): The Tennessee Supreme Court’s recent decision in Haddon v. Vanlier, No. M2023-01151-SC-R11-CV (Tenn. May 12, 2026) [1] is a significant reaffirmation of longstanding Tennessee law on prejudgment interest. In a unanimous opinion authored by Justice Mary Wagner, the court held that prejudgment interest is not recoverable in a personal injury action defended by an uninsured […]
- [Secured Signing Announces Seamless Integration with Actionstep, Automating Lawfirm Workflows](https://www.insuracarelife.com/blog/secured-signing-announces-seamless-integration-with-actionstep-automating-lawfirm-workflows/): CALIFORNIA NEWSWIRE (MOUNTAIN VIEW, Calif.) — Secured Signing, a leading provider of secure digital signature, online notarization, video signing and identity verification solutions, announces a powerful new integration with Actionstep, the cloud-based practice management platform trusted by modern law firms. This integration delivers a frictionless workflow that empowers legal professionals to draft, send, sign, and […]
- [Love takes center stage under the summer sky: Marin Shakespeare Company Opens Production of ‘As You Like It’](https://www.insuracarelife.com/blog/love-takes-center-stage-under-the-summer-sky-marin-shakespeare-company-opens-production-of-as-you-like-it/): CALIFORNIA NEWSWIRE (SAN RAFAEL, Calif.) — Love takes center stage under the summer sky as Marin Shakespeare Company presents “As You Like It,” adapted and directed by Evren Odcikin and running June 19 through July 19 at the Forest Meadows Amphitheatre. A dazzling, music-filled, fashion-forward romp through the Forest of Arden. Joyous and romantic, this […]
- [Pro-Policyholder Trend Continues in TVPRA Coverage Litigation | K&L Gates LLP](https://www.insuracarelife.com/blog/pro-policyholder-trend-continues-in-tvpra-coverage-litigation-kl-gates-llp/): In a pro-policyholder trend, multiple federal courts have recently resolved several important insurance coverage issues arising from underlying lawsuits alleging sex trafficking. In recent years, general liability insurers have increasingly disclaimed their defense obligations to hotel franchisors or operators sued for allegedly benefiting from the use of their hotels by third-party criminals using the hotels […]
- [Virginia Expands Provisions for Paid Sick Leave and Paid Family and Medical Leave | Ogletree, Deakins, Nash, Smoak & Stewart, P.C.](https://www.insuracarelife.com/blog/virginia-expands-provisions-for-paid-sick-leave-and-paid-family-and-medical-leave-ogletree-deakins-nash-smoak-stewart-p-c/): Virginia Governor Abigail Spanberger has now signed into law legislation concerning paid sick leave and paid family and medical leave, each of which will have significant impacts on Virginia employers. Quick Hits Virginia Governor Spanberger has signed legislation that expands paid sick leave to all public and private employees. The paid sick leave legislation mandates […]
- [State Leave Laws & ERISA Preemption | BCLP](https://www.insuracarelife.com/blog/state-leave-laws-erisa-preemption-bclp/): Employers operating across multiple states increasingly face overlapping state and federal leave obligations. While the Family and Medical Leave Act (FMLA) establishes a federal baseline, a growing number of states have enacted broader leave regimes. As employers work to comply with these state laws, they must also consider whether efforts to comply with state leave […]
- [ERISA Fiduciary Duties and Voluntary Benefits: New Litigation Trends | Quarles & Brady LLP](https://www.insuracarelife.com/blog/erisa-fiduciary-duties-and-voluntary-benefits-new-litigation-trends-quarles-brady-llp/): Introduction ERISA’s fiduciary duties are not limited to retirement plans. Fiduciaries of employee welfare benefit plans—including employer-sponsored health and welfare plans that offer voluntary benefits such as accident, critical illness, and hospital indemnity insurance—are required to act solely in the interest of plan participants and beneficiaries, for the exclusive purpose of providing benefits and defraying […]
- [New York Third Department’s Latest Workers’ Comp Decisions Include Setback for Professional Employer Organization (PEO) Defense | Weber Gallagher Simpson Stapleton Fires & Newby LLP](https://www.insuracarelife.com/blog/new-york-third-departments-latest-workers-comp-decisions-include-setback-for-professional-employer-organization-peo-defense-weber-gallagher-simpson-stapleton-fires-newby-llp/): Four new workers’ compensation cases dropped last week from the 3rd Dept., and the most significant is a bad decision on a Professional Employer Organization (PEO) case. Dulay v. Oriska Insurance Company. This case involved a Covid death where the claimant’s dependents filed for death benefits, and the claimant’s estate filed for benefits for the […]
- [SnapFresh Tools Introduces its new 2026 40V 17-Inch Brushless Cordless Residential Lawn Mower](https://www.insuracarelife.com/blog/snapfresh-tools-introduces-its-new-2026-40v-17-inch-brushless-cordless-residential-lawn-mower/): CALIFORNIA NEWSWIRE (LOS ANGELES, Calif.) — SnapFresh Tools (from Ningbo Winbay Technology Co., Ltd.) has unveiled its 2026 40V 17-inch Brushless Cordless Lawn Mower as part of the brand’s latest outdoor power equipment lineup, offering homeowners a gas-free lawn maintenance solution with cutting performance comparable to a traditional 150cc gas mower. The mower is currently […]
- [Three Things Every Lawyer and Leader Needs to Know About Insurance | Lathrop GPM](https://www.insuracarelife.com/blog/three-things-every-lawyer-and-leader-needs-to-know-about-insurance-lathrop-gpm/): Modern businesses face mounting pressures to manage risk effectively while maximizing operational efficiency. Insurance represents one of the largest annual expenditures for most companies, yet it remains one of the least understood corporate assets. Smart leaders who treat insurance strategically can unlock significant value, while those who don’t often discover costly gaps when they need […]
- [MyBioSource in San Diego Now Offers One of the Largest ELISA Kit Collections Available for Researchers](https://www.insuracarelife.com/blog/mybiosource-in-san-diego-now-offers-one-of-the-largest-elisa-kit-collections-available-for-researchers/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — Finding the right ELISA kit for a research project can take days, comparing suppliers, checking species compatibility, and waiting weeks for delivery. MyBioSource was founded to address these challenges. The San Diego-based company has put together a large, well-organized collection of ELISA kits that researchers can browse, compare, and […]
- [Texas Wildfire: Amarillo “Stinky Fire” | Cozen O'Connor](https://www.insuracarelife.com/blog/texas-wildfire-amarillo-stinky-fire-cozen-oconnor/): A mid-May 2026 wildfire originating at the City of Amarillo’s municipal landfill, dubbed the “Stinky Fire,” has caused widespread property damage in the Texas panhandle. Preliminary information indicates the fire began within the landfill before spreading under high-wind conditions into surrounding residential areas. Key Facts Affected Zip Codes: 79124 and 79108 The fire was first […]
- [Florida Appellate Court Sets Record Straight on Longtime Misconception of Examinations Under Oath as Admissible Evidence | Marshall Dennehey](https://www.insuracarelife.com/blog/florida-appellate-court-sets-record-straight-on-longtime-misconception-of-examinations-under-oath-as-admissible-evidence-marshall-dennehey/): The Florida Third District Court of Appeal recently overturned a long standing assumption regarding the admissibility of examinations under oaths (“EUOs”) as trial evidence in Universal X Rays, Corp. v. United Auto. Ins. Co., 422 So. 3d 1203 (Fla. 3d DCA 2025), reh’g denied (Nov. 3, 2025). For years, a longstanding mythos existed around EUOs […]
- [What to Read this Summer: 11 Exceptional Good Reads make latest Q1-2026 'BOOKS TO BOOKMARK' List](https://www.insuracarelife.com/blog/what-to-read-this-summer-11-exceptional-good-reads-make-latest-q1-2026-books-to-bookmark-list/): CALIFORNIA NEWSWIRE (TEMECULA, Calif.) — Publishers Newswire (PNW), an online news publisher in California, covering books, music, indie film, and software launched in 2004, today announced its latest semi-annual “books to bookmark” list for Q1 of 2026, noting 11 new and exceptional “good reads” from small publishers based in North America. These recently published books […]
- [Florida Appellate Court Affords Lyft Broad Immunity Under Section 627.748(18), Florida Statutes (2022), for the Actions of One of its Drivers | Marshall Dennehey](https://www.insuracarelife.com/blog/florida-appellate-court-affords-lyft-broad-immunity-under-section-627-74818-florida-statutes-2022-for-the-actions-of-one-of-its-drivers-marshall-dennehey/): Florida’s Fourth District Court of Appeal affirmed the dismissal of negligent and fraudulent misrepresentation claims against transportation network company (TNC), Lyft Florida, Inc., concluding such claims are barred by the plain text of section 627.748(18), Florida Statutes (2022). In Haddad v. Lyft Florida, Inc., 4D2025-017 (Fla. 4th DCA May 13, 2026), a rideshare passenger alleged […]
- [GeekyAnts, an AI transformation firm, earns ET Now Business Conclave & Awards 2026 nomination](https://www.insuracarelife.com/blog/geekyants-an-ai-transformation-firm-earns-et-now-business-conclave-awards-2026-nomination/): CALIFORNIA NEWSWIRE (SAN FRANCISCO, Calif.) — GeekyAnts, an AI-Powered Digital Product Engineering and Consulting Company, earned a nomination at the ET Now Business Conclave & Awards 2026 under the “Excellence in AI & Digital Transformation” category. The nomination recognizes the company’s work in AI-led product engineering, enterprise modernization, cloud-native systems, and digital customer experience. The […]
- [New Jersey Expands Family Leave Protections: What Employers Need to Know After the 2026 NJFLA Amendments | Mandelbaum Barrett PC](https://www.insuracarelife.com/blog/new-jersey-expands-family-leave-protections-what-employers-need-to-know-after-the-2026-njfla-amendments-mandelbaum-barrett-pc/): Effective July 17, 2026, amendments to the New Jersey Family Leave Act (“NJFLA”) will significantly expand family leave protections for employees across New Jersey. While the NJFLA has long provided job-protected leave for certain family-related needs, the upcoming changes will broaden both who is covered and who qualifies and will also introduce important new considerations […]
- [NYDFS Issues Guidance on Frontier AI Cyber Risks, Heightened Cyber Threat Environments | Davis Wright Tremaine LLP](https://www.insuracarelife.com/blog/nydfs-issues-guidance-on-frontier-ai-cyber-risks-heightened-cyber-threat-environments-davis-wright-tremaine-llp/): The New York Department of Financial Services (NYDFS) has issued new guidance to entities subject to its cybersecurity regulation (regulated entities), including on cybersecurity threats associated with frontier AI models. On May 21, 2026, NYDFS issued two industry letters: an advisory to chief information security officers (CISOs) of regulated entities on heightened cybersecurity risks posed […]
- [Healthcare Authority Newsletter - May 2026 #3 | Arnall Golden Gregory LLP](https://www.insuracarelife.com/blog/healthcare-authority-newsletter-may-2026-3-arnall-golden-gregory-llp/): News Briefs High Court Won’t Hear Drug Manufacturer Price Negotiation Appeal The Supreme Court declined to hear an appeal from six drug manufacturers that wanted the court to reject the Medicare Drug Price Negotiation Program. The court refused to hear separate appeals brought by AstraZeneca; Janssen, the pharmaceutical arm of Johnson & Johnson; Bristol Myers […]
- [Evaluating “Reasonable and Necessary” PIP Charges Under Delaware Law | Marshall Dennehey](https://www.insuracarelife.com/blog/evaluating-reasonable-and-necessary-pip-charges-under-delaware-law-marshall-dennehey/): When it comes to evaluating bills submitted to PIP carriers in Delaware, insureds often ask whether, pursuant to Delaware law, carriers are required to pay only those amounts billed/charged by medical practitioners that are “ordinary and customary.” Delaware law is unique when it comes to consideration of this issue. Applicable Statute: 21 Del. C. § […]
- [Health Care Week in Review | Tri-Agencies Release Federal Independent Dispute Resolution (IDR) Operations Final Rule; CMS Updates Increasing Organ Transplant Access Model | Alston & Bird](https://www.insuracarelife.com/blog/health-care-week-in-review-tri-agencies-release-federal-independent-dispute-resolution-idr-operations-final-rule-cms-updates-increasing-organ-transplant-access-model-alston-bird/): Below is Alston & Bird’s Health Care Week in Review, which provides a synopsis of the latest news in health care regulations, notices, and guidance; federal legislation and congressional committee action; reports, studies, and analyses; and other health policy news. Highlight of the Week This week, the Tri-Agencies finalized updated standards for payers, providers, and […]
- [ViewTech Borescopes at Space Tech Expo USA 2026 Brings Precision Inspection to Anaheim](https://www.insuracarelife.com/blog/viewtech-borescopes-at-space-tech-expo-usa-2026-brings-precision-inspection-to-anaheim/): CALIFORNIA NEWSWIRE (ANAHEIM, Calif.) — ViewTech Borescopes, a leading provider of remote visual inspection (RVI) equipment, will exhibit at the 2026 Space Tech Expo USA, taking place June 2-4, 2026, at the Anaheim Convention Center in Anaheim, California. During Space Tech Expo USA 2026, ViewTech Borescopes will showcase its lineup of high-performance video borescopes engineered […]
- [UK FCA findings from the transition finance pilot | A&O Shearman](https://www.insuracarelife.com/blog/uk-fca-findings-from-the-transition-finance-pilot-ao-shearman/): The UK Financial Conduct Authority (FCA) has published a report setting out findings from its transition finance pilot exercise on barriers to scaling finance for UK climate solutions. The FCA focused on UK-led climate solutions and drew on extensive engagement with capital providers and climate solutions companies at different stages of maturity. The FCA found […]
- [Colorado’s Medicaid Deep Dive: What to Know About the New State Commission | Brownstein Hyatt Farber Schreck](https://www.insuracarelife.com/blog/colorados-medicaid-deep-dive-what-to-know-about-the-new-state-commission-brownstein-hyatt-farber-schreck/): Colorado lawmakers are promising a discerning look at the state’s Medicaid program amid onerous federal cuts and mounting criticism about the program’s rapid-but-unsustainable growth. Sponsored by members of the Joint Budget Committee, SB 26-187 creates a temporary Commission on Medicaid to review Colorado’s Medicaid program and recommend changes in the coming months. Lawmakers set aside […]
- [IRS Issues Guidance on Qualified Long-Term Care Distributions from Retirement Plans | Haynes Boone](https://www.insuracarelife.com/blog/irs-issues-guidance-on-qualified-long-term-care-distributions-from-retirement-plans-haynes-boone/): The IRS recently released Notice 2026-33, providing long-awaited guidance on qualified long-term care distributions (“QLTCDs”) under Section 401(a)(39) of the Internal Revenue Code. This provision, enacted as part of the SECURE 2.0 Act, permits eligible retirement plans to distribute funds to participants to help cover the cost of long-term care insurance premiums without the imposition […]
- [Virginia Enacts Paid Family and Medical Leave Law: What Employers Should Know | McGuireWoods LLP](https://www.insuracarelife.com/blog/virginia-enacts-paid-family-and-medical-leave-law-what-employers-should-know-mcguirewoods-llp/): In the 2026 legislative session, Virginia enacted a sweeping insurance program that will require employers to offer employees paid family and medical leave (PFML). As a result, covered employees will be eligible to receive up to 12 weeks of partial wage replacement per benefit year for qualifying family, medical and safety-related leave. Employers and employees […]
- [Latest PBM Reform Developments Keep Vertical Integration in the Crosshairs | Mintz - Health Care Viewpoints](https://www.insuracarelife.com/blog/latest-pbm-reform-developments-keep-vertical-integration-in-the-crosshairs-mintz-health-care-viewpoints/): [co-author: Sarah Trautz] The PBM industry continues to evolve through legislative action, litigation, and voluntary industry changes. Below is a brief round-up of recent developments including new federal and state legislation targeting vertical integration, an ERISA preemption challenge to California’s PBM reform law, and a new pharmacy care model announced by Optum Rx. State and […]
- [Top 10 Recommendations for Addressing Fraud in NJ PIP Arbitration: A DRP’s Perspective | Marshall Dennehey](https://www.insuracarelife.com/blog/top-10-recommendations-for-addressing-fraud-in-nj-pip-arbitration-a-drps-perspective-marshall-dennehey/): New Jersey’s no fault PIP system presents a unique blend of statutory requirements, arbitration procedures, and evolving fraud schemes. For carriers, counsel, and SIU professionals, navigating this landscape effectively requires more than familiarity with the rules — it demands an understanding of how Dispute Resolution Professionals (DRPs) evaluate evidence, credibility, and patterns of abuse. Drawing […]
- [Mississippi 2026 Legislative Session Recap | Bradley Arant Boult Cummings LLP](https://www.insuracarelife.com/blog/mississippi-2026-legislative-session-recap-bradley-arant-boult-cummings-llp/): The 2026 regular session of the Mississippi Legislature ended last month, and with a special session called by the governor for this month now cancelled, a legislative recap is in order. During this year’s session, which began on January 6, a total of 4,006 bills were introduced but only 189 of them, roughly 5%, became […]
- [L.A. Nonprofit Anima Initiative Presents ‘VENIA’s Dear, Sincerely,’ at Travel Town Museum in Griffith Park](https://www.insuracarelife.com/blog/l-a-nonprofit-anima-initiative-presents-venias-dear-sincerely-at-travel-town-museum-in-griffith-park/): CALIFORNIA NEWSWIRE (LOS ANGELES, Calif.) — Anima Initiative, the Los Angeles-based nonprofit dedicated to supporting independent and underrepresented artists through interdisciplinary programming, presents “VENIA’s Dear, Sincerely,” – a one-day immersive cultural experience taking place Saturday, June 6, 2026 at the historic Travel Town Museum in Griffith Park. Created in partnership with Los Angeles avant-garde atelier […]
- [Misrepresentations of the Next Degree: Expanding Broker Liability After Penn Outdoor | Marshall Dennehey](https://www.insuracarelife.com/blog/misrepresentations-of-the-next-degree-expanding-broker-liability-after-penn-outdoor-marshall-dennehey/): Services v. Harleyville Insurance Co. There has been a noticeable increase in claims against insurance brokers over recent years, with plaintiffs beginning to frame coverage disputes as actions sounding in negligence and negligent misrepresentations. In this ever-shifting world, disputes regarding coverage have devolved into claims that brokers failed to secure, explain, or accurately advise as […]
- [Updated teen vehicle list spotlights good buys with solid safety credentials](https://www.insuracarelife.com/blog/updated-teen-vehicle-list-spotlights-good-buys-with-solid-safety-credentials/): 
 
 
 
 An updated list of used and new vehicles for young drivers can help families prioritize safety on a budget. 
 By 
 May 27, 2026 
 
 
 
 

 
 A new list of recommended used vehicles for teen drivers shows safety doesn’t have to take a back seat even […]
- [Delaware Court Enforces D&O Coverage for SEC Disgorgement Settlement | Nossaman LLP](https://www.insuracarelife.com/blog/delaware-court-enforces-do-coverage-for-sec-disgorgement-settlement-nossaman-llp/): Delaware remains one of the most important jurisdictions for corporate America, so pro-policyholder D&O decisions from Delaware courts are worth watching closely. In Clear Channel Outdoor Holdings, Inc. v. Illinois National Insurance Co., C.A. No. N24C-02-208 PAW CCLD (Del. Super. Ct. Apr. 28, 2026), the Delaware Superior Court held that AIG was required to indemnify […]
- [States Continue Efforts to Regulate AI in Healthcare: A Review of Legislation Passed in 2026 | Holland & Knight LLP](https://www.insuracarelife.com/blog/states-continue-efforts-to-regulate-ai-in-healthcare-a-review-of-legislation-passed-in-2026-holland-knight-llp/): Artificial intelligence (AI) is rapidly reshaping healthcare, influencing how insurers evaluate risk, providers deliver care and patients experience treatment. Though these technologies promise efficiency, innovation and improved outcomes, they also introduce new legal, ethical and regulatory risks. The U.S. Congress has yet to pass significant legislation regulating the use of AI in healthcare. By contrast, […]
- [New Maryland law expands sponsorship eligibility and removes employment restrictions on ‘affiliated insurance producer–mortgage loan originator’ licensing | Orrick, Herrington & Sutcliffe LLP](https://www.insuracarelife.com/blog/new-maryland-law-expands-sponsorship-eligibility-and-removes-employment-restrictions-on-affiliated-insurance-producer-mortgage-loan-originator-licensing-orrick-herrington/): On May 12, the Maryland governor signed into law HB 38, amending the licensing framework for “affiliated insurance producer–mortgage loan originators” under the state’s Financial Institutions Article. The legislation makes two principal changes. First, it broadens the categories of entities eligible to sponsor an affiliated insurance producer–mortgage loan originator for licensing purposes. Under prior law, […]
- [Making Collateralised Fund Obligations (CFOs) and Rated Note Feeders (RNFs) attractive to offshore reinsurers | Walkers](https://www.insuracarelife.com/blog/making-collateralised-fund-obligations-cfos-and-rated-note-feeders-rnfs-attractive-to-offshore-reinsurers-walkers/): Key Takeaways CFOs and RNFs must satisfy both asset-side and liability-side requirements, with Bermuda insurers needing to demonstrate liability usability beyond basic capital classification. Classification is driven by the underlying risk characteristics and look-through analysis, meaning ratings or note labels alone may not prevent higher capital charges. Bermuda and Cayman frameworks differ significantly, so successful […]
- [Proposed Rule Would Bring Flexibility to Employer Fertility Benefits | Foley & Lardner LLP](https://www.insuracarelife.com/blog/proposed-rule-would-bring-flexibility-to-employer-fertility-benefits-foley-lardner-llp/): On May 10, 2026, the U.S. Departments of Labor, Health and Human Services (HHS), and the Treasury (collectively, the Departments) announced a proposed rule intended to expand access to fertility benefits by creating a new category of limited excepted benefits. The proposed rule builds on President Trump’s February 18, 2025, Executive Order and other guidance […]
- [Standing to be sued, but not to fight back? Florida’s Court of Appeals says not so fast | Freeman Mathis & Gary](https://www.insuracarelife.com/blog/standing-to-be-sued-but-not-to-fight-back-floridas-court-of-appeals-says-not-so-fast-freeman-mathis-gary/): In Florida, it is undisputed that carriers can file suit seeking a declaratory judgment of no coverage against insureds and potential third-party beneficiaries before a verdict has been obtained or settlement reached against an insured. However, to what many may see as a philosophical conundrum, it is also undisputed that third-party claimants cannot file suit […]
- [TX Supreme Court: Insurers Can Compel Appraisal Even During Coverage Disputes | Phelps Dunbar](https://www.insuracarelife.com/blog/tx-supreme-court-insurers-can-compel-appraisal-even-during-coverage-disputes-phelps-dunbar/): The Texas Supreme Court in In re ACE American Insurance Company reaffirmed that an insurer is entitled to compel appraisal, regardless of coverage disputes that may be outside the appraisal’s scope. The ruling reinforces a clear path for insurers to require appraisal when there is a disagreement over the amount of loss, even when the parties […]
- [UAE Civil Code 2026: impact on construction disputes | Kennedys](https://www.insuracarelife.com/blog/uae-civil-code-2026-impact-on-construction-disputes-kennedys/): The new UAE Civil Code – Federal Decree-Law (No. 25 of 2025) – effective from 1 June 2026, represents the most wide-ranging changes in decades. This bulletin forms part of Kennedys’ series analysing how selected reforms may affect insurers and those operating across the construction sector.  The new Civil Transactions Law (CTL) replaces the 1985 […]
- [Protecting Your License and Your Brand: Strategies for Insurance Department Enforcement Actions | Troutman Pepper Locke](https://www.insuracarelife.com/blog/protecting-your-license-and-your-brand-strategies-for-insurance-department-enforcement-actions-troutman-pepper-locke/): Insurance regulators across the U.S. are responsible for protecting policyholders and consumers. It is therefore understandable that they are focused on the insurance industry’s business practices and how such practices may adversely impact consumers. Common areas of insurance department regulatory market conduct and investigatory interest include distribution, sales and marketing, policy administration and customer service, […]
- [How Estate Planners Can Effectively Manage Non-Probate Assets | Levenfeld Pearlstein, LLC](https://www.insuracarelife.com/blog/how-estate-planners-can-effectively-manage-non-probate-assets-levenfeld-pearlstein-llc/): Effective estate planning involves a careful consideration of assets and their distribution to ensure intended beneficiaries experience a seamless transfer of assets when the time comes. Understanding the difference between probate and non-probate assets is the first step in this process. What Are Non-Probate Assets? Unlike probate assets, which may require court approval and oversight […]
- [The Prevention Doctrine Has Limits - Guidry Proves It | Zelle LLP](https://www.insuracarelife.com/blog/the-prevention-doctrine-has-limits-guidry-proves-it-zelle-llp/): Most property insurance policies condition the payment of replacement cost value (“RCV”) on the insured actually repairing or replacing the damaged property. When a policyholder fails to complete repairs, recovery is typically limited to actual cash value (“ACV”). That’s the deal. It’s what the policy says. But policyholders have increasingly turned to the “Doctrine of […]
- [Al Fraud Detection and Forensic Accounting: Embracing Innovation to Combat Financial Threats | J.S. Held](https://www.insuracarelife.com/blog/al-fraud-detection-and-forensic-accounting-embracing-innovation-to-combat-financial-threats-j-s-held/): [authors: Ken Feinstein, Matthew Cordell, Dean Driskell, CPA] Legal teams should read this article to: Discover how AI and machine learning tools can reduce analysis timelines from weeks to days in real case studies, helping legal teams respond quickly to claims, disputes, and regulatory inquiries. See the evolving role of expert witnesses and forensic professionals […]
- [Why AI Risk Needs Its Own Insurance Conversation | Robinson+Cole Data Privacy + Security Insider](https://www.insuracarelife.com/blog/why-ai-risk-needs-its-own-insurance-conversation-robinsoncole-data-privacy-security-insider/): Many insurers, and the businesses they cover, are still treating artificial intelligence (AI) risk as if it were cyber risk cloaked in a costume. That instinct is understandable since AI systems process data, rely on vendors, create operational dependencies, and sit inside digital infrastructures. However, early litigation is showing why that framing is likely incomplete. […]
- [Allstate announces quarterly dividends payable in July 2026](https://www.insuracarelife.com/blog/allstate-announces-quarterly-dividends-payable-in-july-2026/): NORTHBROOK, Ill., May 22, 2026 – The Allstate Corporation (NYSE: ALL) announced that its board of directors approved a quarterly common stock dividend of $1.08 per common share on May 22, 2026. Allstate also declared the payment of quarterly preferred stock dividends. Common stock dividends Allstate declared a quarterly dividend of $1.08 on each outstanding […]
- [McDermott+ Check-Up: May 22, 2026 | McDermott+](https://www.insuracarelife.com/blog/mcdermott-check-up-may-22-2026-mcdermott/): THIS WEEK’S DOSE House Energy and Commerce Committee discusses Medicare physician payment. The hearing occurred as both the Republican and Democratic Doctors Caucuses work behind the scenes to introduce legislation to reform physician payment. House Ways and Means Committee advances healthcare legislation. The markup included debate on legislation related to pharmacy billing, Medicare physician payment, […]
- [The Expanding Fight Over Litigation-Driven Medical Bills in Tennessee | Butler Snow LLP](https://www.insuracarelife.com/blog/the-expanding-fight-over-litigation-driven-medical-bills-in-tennessee-butler-snow-llp/): For years, Tennessee businesses defending personal injury claims focused primarily on liability and causation. Increasingly, however, disputes are centering on damages—particularly the medical expenses being used to support settlement demands. Corporate defendants, insurers, and risk managers are seeing more claims involving treatment provided outside the traditional health-insurance system. Instead of billing a plaintiff’s health insurer […]
- [The final course: The 2027 Notice of Benefit and Payment Parameters is served | McDermott+](https://www.insuracarelife.com/blog/the-final-course-the-2027-notice-of-benefit-and-payment-parameters-is-served-mcdermott/): McDermott+ is pleased to bring you Regs & Eggs, a weekly Regulatory Affairs blog by Jeffrey Davis. May 21, 2026 – After a long period of anticipation, the final course has arrived! The Centers for Medicare & Medicaid Services (CMS) issued the final 2027 Notice of Benefit and Payment Parameters (NBPP) on May 15, 2026. […]
- [Tennessee Rewrites Non-Compete Rules | Chartwell Law](https://www.insuracarelife.com/blog/tennessee-rewrites-non-compete-rules-chartwell-law/): Tennessee has joined a growing list of states imposing statutory guardrails on non-compete agreements. With the passage of Public Chapter No. 934 (House Bill 1034), effective July 1, 2026, the General Assembly has introduced clear presumptions governing enforceability and, notably, an outright prohibition for certain employees. For employers, insurers, and defense counsel evaluating risk, these […]
- [The Mortgage Collaborative partners with The Zebra to help members provide home insurance options for borrowers](https://www.insuracarelife.com/blog/the-mortgage-collaborative-partners-with-the-zebra-to-help-members-provide-home-insurance-options-for-borrowers/): Back Accessibility Commitment for California Newswire – dba of NEOTROPE At California Newswire – dba of NEOTROPE, we are committed to making our digital presence as accessible and inclusive as reasonably possible for all users, including individuals with disabilities. Our goal is to improve the usability of https://CaliforniaNewswire.com and to support a more accessible experience […]
- [April 2026 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/april-2026-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., May 21, 2026 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of April of $870 million or $687 million, after-tax, from 10 wind and hail events with approximately 70% of the losses related to two events. Allstate Protection policies in force are as follows: (1)Policy counts are based on items rather than customers. […]
- [Wyden's PPLI/PPVA Deja Vu Proposal: A Tax-Shelter Narrative, a Far Broader Statutory Rule and the Continuing Importance of Current-Law Compliance | Katten Muchin Rosenman LLP](https://www.insuracarelife.com/blog/wydens-ppli-ppva-deja-vu-proposal-a-tax-shelter-narrative-a-far-broader-statutory-rule-and-the-continuing-importance-of-current-law-compliance-katten-muchin-rosenman-llp/): On April 13, Senate Finance Committee Ranking Member Ron Wyden (D-Or.) introduced the Protecting Proper Life Insurance from Abuse Act (S. 4279).1 The bill is substantively identical to a discussion draft circulated in December 2024 following the Committee’s 18-month investigation of private placement life insurance. If enacted in its present form — an outcome that appears […]
- [Motion for Reconsideration—It Does Not Exist—But It Is Routinely Entertained—On Limited Grounds | EDRM - Electronic Discovery Reference Model](https://www.insuracarelife.com/blog/motion-for-reconsideration-it-does-not-exist-but-it-is-routinely-entertained-on-limited-grounds-edrm-electronic-discovery-reference-model/): Image: Holley Robinson, EDRM. In Stanisaveljevic v. The Standard Fire Ins. Co., 2026 WL 1129515 (D. Col. Apr. 27, 2026), defendants filed a motion for reconsideration arising out of a discovery dispute. It was denied. Standard Fire based its motion on alleged “new evidence.” The court determined that the evidence was not new. In fact, […]
- [AAA Bio Enhances its Global Medical Diagnostic Research Capabilities Through Strategic Local Distribution Networks](https://www.insuracarelife.com/blog/aaa-bio-enhances-its-global-medical-diagnostic-research-capabilities-through-strategic-local-distribution-networks/): CALIFORNIA NEWSWIRE (LA JOLLA, Calif.) — In a move to significantly reduce lead times for its critical medical diagnostic research components, AAA Biotech, LLC (“AAAbio”) has announced a major restructuring of its international logistics framework. By empowering a curated network of regional partners, the company is ensuring that its comprehensive suite of Elisa Kits and […]
- [Colorado Scales Back AI Law, with Targeted Implications for Health Care | Ropes & Gray LLP](https://www.insuracarelife.com/blog/colorado-scales-back-ai-law-with-targeted-implications-for-health-care-ropes-gray-llp/): On May 14, 2026, Colorado Governor Jared Polis signed a new Colorado AI Act, S.B. 26-189 (the “2026 Act”),1 which repeals and replaces the prior Colorado AI Act, S.B. 24-205, which had passed in 2024 (the “2024 Act”) and was originally scheduled to take effect on June 30, 2026.2 As a result, the 2024 Act […]
- [Texas SB 2544: Out-of-Network Facilities Now Face a Hard Deadline to Request Mediation | Hendershot Cowart P.C.](https://www.insuracarelife.com/blog/texas-sb-2544-out-of-network-facilities-now-face-a-hard-deadline-to-request-mediation-hendershot-cowart-p-c/): If your hospital, ambulatory surgery center, freestanding emergency room, or birthing center bills commercial health plans for out-of-network services in Texas, a new law has fundamentally changed how long you have to dispute an underpayment. Texas Senate Bill 2544, which took effect June 20, 2025, closes a significant gap in the state’s out-of-network dispute resolution […]
- [Reconciliation and health hearings on the pre-recess agenda | McDermott+](https://www.insuracarelife.com/blog/reconciliation-and-health-hearings-on-the-pre-recess-agenda-mcdermott/): This week marks lawmakers’ final full week in Washington, DC, before the scheduled Memorial Day recess, and reconciliation remains a key focus in the Senate. Senate leadership is targeting completion of the reconciliation 2.0 package, which is still narrowly focused on border security and immigration enforcement without healthcare implications, by June 1, 2026, the date […]
- [At LeadingAge California 2026, Hillcrest and 3rd3rd Reframe Senior Living Marketing](https://www.insuracarelife.com/blog/at-leadingage-california-2026-hillcrest-and-3rd3rd-reframe-senior-living-marketing/): CALIFORNIA NEWSWIRE (PALM DESERT, Calif.) — At the LeadingAge California conference for aging services leaders, Cynthia Thurlow, CEO and President of 3rd3rd Marketing, and Shirley Turner, Director of Sales and Marketing at Hillcrest, share real-world marketing insights, results and actionable strategies in two sessions: “No Re-Branding Required to Win Residents” on May 20 and “Inclusive […]
- [Beyond Water’s-Edge: California’s Proposal to Include Captive Insurers Raises Overlooked Constitutional Issues | Pillsbury - SeeSalt Blog](https://www.insuracarelife.com/blog/beyond-waters-edge-californias-proposal-to-include-captive-insurers-raises-overlooked-constitutional-issues-pillsbury-seesalt-blog/): On February 10, 2026, Assembly Bill 1790 (AB 1790) was introduced in the California Legislature. Although recently placed in the suspense file, AB 1790 could still be put up for a vote this budget cycle or influence later budget proposals. While public reporting about AB 1790 has focused on its proposed elimination of the water’s-edge […]
- [Versions of Her: Performing Artist Tonoccus McClain Premieres Moving Multimedia Theater Piece at 2026 Hollywood Fringe Festival](https://www.insuracarelife.com/blog/versions-of-her-performing-artist-tonoccus-mcclain-premieres-moving-multimedia-theater-piece-at-2026-hollywood-fringe-festival/): CALIFORNIA NEWSWIRE (HOLLYWOOD, Calif.) — Prolific actor, writer and “maker of all things theatrical,” Tonoccus McClain, is pouring his heart and soul into a deeply personal work in his first venture as a producer and writer, “Versions of Her,” at the 2026 Hollywood Fringe Festival. The Festival is Known for being an open-ended event with […]
- [CMS Imposes Nationwide Moratoria on New Medicare Enrollments of Hospices and Home Health Agencies | Bass, Berry & Sims PLC](https://www.insuracarelife.com/blog/cms-imposes-nationwide-moratoria-on-new-medicare-enrollments-of-hospices-and-home-health-agencies-bass-berry-sims-plc/): Key Takeaways CMS has issued nationwide moratoria on new Medicare enrollments for hospices and home health agencies, effective May 13, 2026, halting all new applications and branch expansions for at least six months. Existing providers may continue operating but may face heightened compliance expectations, while any new applications submitted within six months after the moratoria […]
- [Medicare's $50 Per Month GLP-1 Bridge: What You Need to Know | Sheppard](https://www.insuracarelife.com/blog/medicares-50-per-month-glp-1-bridge-what-you-need-to-know-sheppard/): In the latest effort by the Trump administration to reduce costs and increase access to anti-obesity medications like Ozempic and Wegovy (also known as GLP-1s), the Centers for Medicare & Medicaid Services (“CMS”) announced that beginning July 1, 2026, eligible Medicare beneficiaries can access certain GLP-1 weight loss medications for just $50 per month through […]
- [NCUA places federal credit union into conservatorship | Orrick, Herrington & Sutcliffe LLP](https://www.insuracarelife.com/blog/ncua-places-federal-credit-union-into-conservatorship-orrick-herrington-sutcliffe-llp/): On May 6, the NCUA placed a federally chartered credit union in Jackson, Mississippi, into conservatorship, citing “unsafe and unsound practices.” The credit union, which maintains more than 15,500 members and holds roughly $162 million in reported assets, primarily serves local government employees across 38 distinct groups. The NCUA stated that member services will continue […]
- [What Aviation Claims Professionals Are Watching Right Now | Cranfill Sumner LLP](https://www.insuracarelife.com/blog/what-aviation-claims-professionals-are-watching-right-now-cranfill-sumner-llp/): Aviation claims professionals are navigating an increasingly complex environment shaped by evolving regulations, advancing technology, and heightened expectations for early investigation and coordinated response. Mica Nguyen Worthy and Aliyah Adams recently attended the SMU Air Law Symposium in Irving, TX. They engaged in discussions across the aviation law community on several recurring issues that are […]
- [Delaware Supreme Court Again Reverses Judge, Litigants Still Pay | Marshall Dennehey](https://www.insuracarelife.com/blog/delaware-supreme-court-again-reverses-judge-litigants-still-pay-marshall-dennehey/): In 2022, the Delaware Supreme Court, en banc, reversed a decision of Superior Court Judge Karsnitz in a pro hac vice matter, writing that “[b]oth the tone and the explicit language of the Superior Court’s memorandum opinion and order suggest that the courts’ interest extended beyond the mere propriety and advisability of Wood’s continued involvement […]
- [Logistics: Bite-Size Insights - May 2026 | Kennedys](https://www.insuracarelife.com/blog/logistics-bite-size-insights-may-2026-kennedys/): In this edition of Logistics: Bite-Size Insights, we consider the data behind the latest global supply chain disruption trends, explore the changing face of theft of goods in transit, and discuss the importance of affirmation in insurance contracts. Global supply chain disruption: the data behind the trends Emerging data points to a structural, rather than […]
- [Automate with Authenticity: Elevating Legal Automation to Mirror Your Firm’s Unique Voice | LegalMation](https://www.insuracarelife.com/blog/automate-with-authenticity-elevating-legal-automation-to-mirror-your-firms-unique-voice-legalmation/): For decades, legal teams and insurance organizations have relied on templates and boilerplate language to drive efficiency and maintain a measure of uniformity across pleadings, demand responses, discovery answers, and other routine documentation. While this approach streamlined processes, it rarely allowed a firm or corporate legal department’s unique strategy, tone, or institutional knowledge to shine […]
- [Appraisal Award Stands Firm in Petropoulos | Zelle LLP](https://www.insuracarelife.com/blog/appraisal-award-stands-firm-in-petropoulos-zelle-llp/): Appraisal awards seem to be a hot topic in Texas courts as of late, and Petropoulos v. Safeco Ins. Co. of Indiana, No. 4:23-CV-00500-ALM-BD, 2026 WL 408597 (E.D. Tex. Feb. 12, 2026), report and recommendation adopted, No. 4:23-CV-00500, 2026 WL 640977 (E.D. Tex. Mar. 6, 2026) is one of the latest decisions to address them. […]
- [New Legislation Set to Affect Physician Assistants Working in Alaska | Schwabe, Williamson & Wyatt PC](https://www.insuracarelife.com/blog/new-legislation-set-to-affect-physician-assistants-working-in-alaska-schwabe-williamson-wyatt-pc/): Physician assistants in Alaska may soon have greater autonomy to provide healthcare services after the passage of Senate Bill 89, which has been referred to as the Physician Assistant Scope of Practice Modernization Bill. This new legislation seeks to bring Alaska into greater alignment with Oregon, Washington, and other states that have loosened physician supervision […]
- [ACCESS Model: Technology as Key to Managing Chronic Conditions | Nelson Mullins Riley & Scarborough LLP](https://www.insuracarelife.com/blog/access-model-technology-as-key-to-managing-chronic-conditions-nelson-mullins-riley-scarborough-llp/): Providers caring for patients with chronic conditions have for years faced a persistent mismatch between how care is delivered and how Medicare pays for it. Managing chronic illness often requires ongoing monitoring, behavioral support and interventions outside traditional office visits, yet Medicare’s fee‑for‑service (FFS) structure has historically only reimbursed discrete services, ignoring services that can […]
- [Collapse Coverage in First-Party Property Cases | Butler Weihmuller Katz Craig LLP](https://www.insuracarelife.com/blog/collapse-coverage-in-first-party-property-cases-butler-weihmuller-katz-craig-llp/): What is considered a covered “collapse” under a homeowner’s policy? One Florida appeals court recently addressed this question in Escobar v. Citizens Prop. Ins. Corp., No. 3D24-1234, 2026 WL 817362 (Fla. Dist. Ct. App. Mar. 15, 2026). Specifically, the Third District Court of Appeal held that: (1) drywall is not “part of a building” within […]
- [Florida Appellate Court Clarifies ACV vs. RCV and Related Damages Evaluation in First-Party Property Cases | Carlton Fields](https://www.insuracarelife.com/blog/florida-appellate-court-clarifies-acv-vs-rcv-and-related-damages-evaluation-in-first-party-property-cases-carlton-fields/): In Greenaker v. Universal Property & Casualty Insurance Co., Florida’s Second District Court of Appeal clarified the difference between actual cash value (ACV) and replacement cost value (RCV) valuations and reversed a final judgment entered in favor of the insurer before trial after the trial court excluded the insureds’ damages evidence through a motion in […]
- [Delaware Court Affirms Common Law Subrogation Rights for Out-of-State Insurers | Weber Gallagher Simpson Stapleton Fires & Newby LLP](https://www.insuracarelife.com/blog/delaware-court-affirms-common-law-subrogation-rights-for-out-of-state-insurers-weber-gallagher-simpson-stapleton-fires-newby-llp/): In a significant ruling for insurance practitioners, the Court of Common Pleas for the State of Delaware recently clarified the boundaries of the state’s Personal Injury Protection (PIP) statute. On March 12, 2026, in USAA Casualty Insurance Company v. John Eric Ohnstad, the Court denied a motion to dismiss, confirming that out-of-state insurers are not […]
- [The Mortgage Collaborative launches Mortgage AI Council to advance responsible industry AI adoption](https://www.insuracarelife.com/blog/the-mortgage-collaborative-launches-mortgage-ai-council-to-advance-responsible-industry-ai-adoption/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, announced the formation of the Mortgage AI Council, a standing committee under TMC’s lender member board of directors. The council will give community banks, credit unions and independent mortgage bankers the governance frameworks, peer intelligence and […]
- [CMS Nationwide Moratoria for New Hospice and Home Health Enrollments | Husch Blackwell LLP](https://www.insuracarelife.com/blog/cms-nationwide-moratoria-for-new-hospice-and-home-health-enrollments-husch-blackwell-llp/): Earlier yesterday, the Centers for Medicare & Medicaid Services (CMS) announced nationwide moratoria for new enrollments of hospice and home health providers effective May 13, 2026. Providers can access the CMS press release (here), a set of CMS Q&As (here), and the proposed regulatory notices for hospice and home health, respectively: (hospice), (home health). The […]
- [Neurotech Reports Welcomes Thomas Stieglitz, Ph.D., as Keynote Speaker for 2026 Neurotech Leaders Forum imec](https://www.insuracarelife.com/blog/neurotech-reports-welcomes-thomas-stieglitz-ph-d-as-keynote-speaker-for-2026-neurotech-leaders-forum-imec/): CALIFORNIA NEWSWIRE (SAN FRANCISCO, Calif.) — Neurotech Reports has announced that Thomas Stieglitz, Ph.D., a globally recognized expert in neural engineering and implantable neurotechnology, will keynote the Second Annual Neurotech Leaders Forum imec, taking place June 23-24, 2026, in Leuven, Belgium. The Neurotech Leaders Forum brings together senior executives, investors, researchers, clinicians, and technology developers […]
- [Prior authorization reform: A hybrid approach of regulatory requirements and voluntary commitments | McDermott+](https://www.insuracarelife.com/blog/prior-authorization-reform-a-hybrid-approach-of-regulatory-requirements-and-voluntary-commitments-mcdermott/): McDermott+ is pleased to bring you Regs & Eggs, a weekly Regulatory Affairs blog by Jeffrey Davis. May 14, 2026 – Reforming prior authorization processes has been on the regulatory menu for a while. Both patients and providers have argued that prior authorization is a complex and burdensome process that too often results in patients […]
- [Pennsylvania Supreme Court Limits 120‑Day Notice Requirement for Owner-Employees | Marshall Dennehey](https://www.insuracarelife.com/blog/pennsylvania-supreme-court-limits-120-day-notice-requirement-for-owner-employees-marshall-dennehey/): Erie Insurance Property and Casualty Company v. David Heater( WCAB); No. 103 MAP 2024; decided March 26, 2026; by Chief Justice Todd. In this case, the Supreme Court considered the issue of whether an injured worker, who was a sole proprietor, must give notice of his work injury under Section 311 of the Act, to […]
- [Two additional models earn awards in latest IIHS ratings](https://www.insuracarelife.com/blog/two-additional-models-earn-awards-in-latest-iihs-ratings/): 
 
 
 
 New test results propel the 2026 Hyundai Palisade and the 2026 Toyota Prius to the highest tier of IIHS award winners. 
 By 
 May 14, 2026 
 
 
 
 

 
 Two more vehicles, the 2026 Hyundai Palisade and the 2026 Toyota Prius, qualify for the highest award from the […]
- [Federal Scrutiny of State Medicaid Programs and Medicaid Providers Intensifies | Polsinelli](https://www.insuracarelife.com/blog/federal-scrutiny-of-state-medicaid-programs-and-medicaid-providers-intensifies-polsinelli/): Key Takeaways CMS and congressional leaders are increasing oversight of state Medicaid programs through off-cycle revalidation demands, fraud investigations and threats to defer federal Medicaid funding. Recent directives from CMS Administrator Dr. Mehmet Oz signal heightened expectations for state enforcement efforts. The increased scrutiny creates operational and financial risks for Medicaid providers, particularly those viewed […]
- [Wine authority Karen MacNeil to Keynote UC Davis ‘Vine to Mind’ 2026 Symposium](https://www.insuracarelife.com/blog/wine-authority-karen-macneil-to-keynote-uc-davis-vine-to-mind-2026-symposium/): CALIFORNIA NEWSWIRE (DAVIS, Calif.) — Karen MacNeil, wine authority, author of “The Wine Bible,” and co-founder of COME TOGETHER A Community for Wine, will deliver the opening keynote at the 2026 Vine to Mind Symposium, a joint initiative of the University of California, Davis and Harvard University, taking place May 19-20 on the UC Davis […]
- [Allstate deepens college athletics commitment with new ACC sponsorship](https://www.insuracarelife.com/blog/allstate-deepens-college-athletics-commitment-with-new-acc-sponsorship/): CHARLOTTE, N.C. and NORTHBROOK, Ill., May 13, 2026 – The Atlantic Coast Conference (ACC) and Allstate today announced a new multiyear sponsorship that expands Allstate’s support for college athletics and advances opportunities for student‑athletes across the conference. As part of the agreement through Disney Advertising, Allstate becomes the Official Insurance Sponsor of the ACC and […]
- [Liability keeps buyers on edge as commercial market softens](https://www.insuracarelife.com/blog/liability-keeps-buyers-on-edge-as-commercial-market-softens/): Liability is the fault line running through the US commercial insurance market in mid-2026. Most lines have softened, but social inflation is keeping casualty conditions hard even as buyers gain ground elsewhere – and cutting across the entire line-by-line picture is an AI exposure that does not respect class boundaries. Lockton’s July 2026 Market Update […]
- [Insurance moves: USAA, DeCotis Specialty, QBE, HDI Global, and GuideOne](https://www.insuracarelife.com/blog/insurance-moves-usaa-decotis-specialty-qbe-hdi-global-and-guideone/): HDI Global names two chief underwriting officers for US specialty and casualty HDI Global has made two simultaneous CUO appointments in the US as part of its Xcelerate29 growth strategy – a named programme targeting expansion in the world’s largest insurance market. Bevan Greibesland (pictured, center), who joined HDI in March 2025, has been named […]
- [Pure Insurance gains FM's engineering model in high-value home push](https://www.insuracarelife.com/blog/pure-insurance-gains-fms-engineering-model-in-high-value-home-push/): The partnership arrives at a specific moment of market stress. Admitted carriers have retreated aggressively from high-value personal lines in California, Florida and Texas – the three states with the highest concentrations of high-net-worth households – pushing affluent personal lines into the surplus market at the moment demand is accelerating. Some wealthy homeowners have turned […]
- [Gallagher's RPS buys Med James to extend wholesale reach across six states](https://www.insuracarelife.com/blog/gallaghers-rps-buys-med-james-to-extend-wholesale-reach-across-six-states/): The geographic logic of the deal is specific. Med James is based in Overland Park and operates from five additional offices in Springfield, Missouri; Little Rock, Arkansas; Las Vegas, Nevada; Colorado Springs, Colorado; and Phoenix, Arizona – a six-state footprint spanning the Mid-South and Mountain West where admitted carrier retreat from transportation, garage, environmental and […]
- [Class action investigation launched following AssuranceAmerica data breach](https://www.insuracarelife.com/blog/class-action-investigation-launched-following-assuranceamerica-data-breach/): The intrusion itself followed the most common pattern in the sector. AssuranceAmerica first detected suspicious activity on March 17, 2026, and traced it to a targeted attack on a single employee the day before, consistent with a credential-stealing phishing technique. An unauthorized third party gained access to the company’s systems and copied a number of […]
- [Brown & Riding launches HNW practice as wealth outpaces coverage](https://www.insuracarelife.com/blog/brown-riding-launches-hnw-practice-as-wealth-outpaces-coverage/): Brown & Riding has launched a national private client practice to help retail agents place high-net-worth personal lines risks into a market where the two forces shaping demand are moving in opposite directions. The US minted more than 440,000 new millionaires in 2025 – over 1,200 per day and nearly half of all new millionaires […]
- [Arch Insurance rolls out group benefits suite amid employer cost pressures](https://www.insuracarelife.com/blog/arch-insurance-rolls-out-group-benefits-suite-amid-employer-cost-pressures/): The cost-shifting dynamic driving demand Mercer’s 2025 National Survey of Employer-Sponsored Health Plans projects health benefit costs will rise 6.5% per employee in 2026, the steepest increase in 15 years. Without plan changes, average cost growth would have approached 9%. The survey, covering more than 1,700 US employers, found 59% plan to make cost-cutting plan […]
- [Four more models take home Top Safety Pick+ awards in latest IIHS ratings](https://www.insuracarelife.com/blog/four-more-models-take-home-top-safety-pick-awards-in-latest-iihs-ratings/): 
 
 
 
 Vehicles from Audi, BMW, Mazda and Subaru qualify for the highest award. 
 By 
 July 9, 2026 
 
 
 
 

 
 Four more 2026 models, the Audi A6, BMW X1, Mazda CX-5 and Subaru Crosstrek Hybrid, take home Top Safety Pick+ awards in the latest round of ratings from […]
- [Aventum Group's ecosystem: turning to bespoke AI to scale specialty lines](https://www.insuracarelife.com/blog/aventum-groups-ecosystem-turning-to-bespoke-ai-to-scale-specialty-lines/): Aventum’s technology overhaul is centred on a proprietary platform called ATOMX, built entirely in-house and designed to power the full lifecycle, from data ingestion and workflow management through to product distribution. According to Aventum, the platform is expected to save 1,000 staff hours monthly and reduce costs by more than US$2 million annually – backed […]
- [Allstate announces quarterly dividend payable Oct. 1, 2026](https://www.insuracarelife.com/blog/allstate-announces-quarterly-dividend-payable-oct-1-2026/): NORTHBROOK, Ill., July 8, 2026 – The Allstate Corporation (NYSE: ALL) announced today its board of directors approved a quarterly dividend of $1.08 on each outstanding share of the corporation’s common stock to be payable in cash on Oct. 1, 2026, to stockholders of record at the close of business on Aug. 31, 2026. Financial […]
- [Insurance futurist says AI is leveling, not disrupting, the field](https://www.insuracarelife.com/blog/insurance-futurist-says-ai-is-leveling-not-disrupting-the-field/): Artificial intelligence is reshaping insurance underwriting and claims, but it is strengthening the role of agents and brokers rather than eliminating it, according to Rob Galbraith (pictured), founder and chief executive officer of Forestview Insights, an independent insurance consulting, research and training firm. Galbraith, author of The End of Insurance as We Know It, said […]
- [Allianz confirms hundreds of job cuts as AI reshapes insurance](https://www.insuracarelife.com/blog/allianz-confirms-hundreds-of-job-cuts-as-ai-reshapes-insurance/): The irony sitting inside Allianz’s own results What makes the Allianz case notable for insurance professionals specifically is the company’s parallel identity as the sector’s AI standard-bearer. Weeks before confirming the job losses, Allianz was named number one in the 2026 Evident AI Index for Insurance, ahead of 29 competitors, with a talent pool 28% […]
- [Domaine Carneros Debuts the Sparkling Elixir Sampler: a daily tasting flight that pairs four all-natural, handcrafted botanical elixirs](https://www.insuracarelife.com/blog/domaine-carneros-debuts-the-sparkling-elixir-sampler-a-daily-tasting-flight-that-pairs-four-all-natural-handcrafted-botanical-elixirs/): CALIFORNIA NEWSWIRE (NAPA, Calif.) — Domaine Carneros has long delighted guests with inventive food and wine experiences that reflect the winery’s commitment to culinary craft and local ingredient sourcing. The newest addition to that tradition is the Sparkling Elixir Sampler, a daily tasting flight that pairs four all-natural, handcrafted botanical elixirs from Land & Local […]
- [HDI Global names credit and political risk lead from EXIM](https://www.insuracarelife.com/blog/hdi-global-names-credit-and-political-risk-lead-from-exim/): Shinkman joins from the Export-Import Bank of the United States, where she served as vice president of export credit insurance, overseeing a portfolio that enables US companies to manage payment risk on international transactions. EXIM is the official US government export credit agency, supporting exporters through insurance, loans and guarantees in global markets. The transition […]
- [Two Senior Experts, Beverly Gianna and Cynthia Thurlow, Share Insider’s Guide to Confident Aging in New eBook, ‘A Good Life Anywhere’](https://www.insuracarelife.com/blog/two-senior-experts-beverly-gianna-and-cynthia-thurlow-share-insiders-guide-to-confident-aging-in-new-ebook-a-good-life-anywhere/): CALIFORNIA NEWSWIRE (LA VERNE, Calif.) — 3rd3rd Marketing, the “Un-Senior Living Agency” that challenges ageism in marketing, and Hillcrest Senior Living, announced the launch of “A Good Life Anywhere,” a new eBook designed to empower older adults and their families to make informed decisions about care, community, and quality of life. Coauthored by Beverly Gianna, […]
- [Starr refused to pause deadline on $7M jet claim, suit alleges](https://www.insuracarelife.com/blog/starr-refused-to-pause-deadline-on-7m-jet-claim-suit-alleges/): The trouble began during maintenance. Zero-G says it delivered its Boeing 727-200 to a maintenance contractor in Dothan, Alabama, for a routine deep inspection known as a C-check on or about July 1, 2025. Days later, on or about July 6, the contractor’s workers improperly reinstalled an exhaust duct for the auxiliary power unit, the […]
- [Insurance moves: Andover, Shepherd Insurance, AXA XL and RMA](https://www.insuracarelife.com/blog/insurance-moves-andover-shepherd-insurance-axa-xl-and-rma/): New chief claims officer at The Andover Companies The Andover Companies has named G. Quinn Landers (pictured, left) as senior vice president and chief claims officer, effective July 1, succeeding Randall, who retired after more than four decades in the insurance industry. Landers joined Andover in 2019 following a decade as outside counsel to the […]
- [Allstate to hold Q2 2026 earnings call Aug. 6, 2026](https://www.insuracarelife.com/blog/allstate-to-hold-q2-2026-earnings-call-aug-6-2026/): NORTHBROOK, Ill., July 6, 2026 – The Allstate Corporation (NYSE: ALL) announced the schedule for its second-quarter 2026 financial results and earnings conference call. Allstate Q2 2026 Earnings Call and Release Schedule Earnings Release Date: Wednesday, August 5, 2026, after 4:15 p.m. ET Earnings Call Date: Thursday, August 6, 2026, at 9 a.m. ET Where […]
- [Sun Life completes $350 million acquisition of Bell Partners](https://www.insuracarelife.com/blog/sun-life-completes-350-million-acquisition-of-bell-partners/): A long-established multifamily platform Founded in 1976, Bell Partners has approximately $10 billion of gross asset value under management and close to 1,800 employees across nine US offices, managing roughly 65,000 to 70,000 apartment homes in 12 regions spanning markets including Seattle, Denver, Dallas-Fort Worth, Atlanta and Washington DC. Its senior management team averages 27 […]
- [FIFA World Cup referee also runs insurance advisory business](https://www.insuracarelife.com/blog/fifa-world-cup-referee-also-runs-insurance-advisory-business/): Uruguayan referee Gustavo Tejera, who has officiated at the 2026 FIFA World Cup, works as an insurance broker, running GT Brokers, an advisory firm. Tejera, born in Montevideo in January 1988, has held FIFA International Referee status since 2018. He debuted in Uruguay’s top flight in 2015 and has since officiated at Copa Libertadores, Copa […]
- [E&S market growth outlook | Insurance Business](https://www.insuracarelife.com/blog/es-market-growth-outlook-insurance-business/): [00:00:00] Shanna Sweeney: The defining characteristic of today’s market is that capacity is increasing faster than loss, costs are improving.  
 [00:00:08] Daniel Akerman: Unlike excess casualty, the recall market is not heavily penetrated. I would argue that probably less than 10% of manufacturers purchase the product.  
 [00:00:20] Richard Smith: I do think AI […]
- [From coffee houses to climate models: 250 years of American insurance](https://www.insuracarelife.com/blog/from-coffee-houses-to-climate-models-250-years-of-american-insurance/): On a spring morning in 1752, a group of Philadelphians led by Benjamin Franklin sat down and did something that, in retrospect, looks a great deal like inventing an industry. They pooled their money into a mutual company, the Philadelphia Contributionship, and promised to rebuild each other’s homes if fire ever took them. It was […]
- [Alliant Insurance Services adds senior hires to Employee Benefits and M&A teams](https://www.insuracarelife.com/blog/alliant-insurance-services-adds-senior-hires-to-employee-benefits-and-ma-teams/): Minkler joins Employee Benefits Group Minkler brings more than a decade of experience helping organizations optimize human capital, employee benefits and total rewards strategies, with a background spanning venture-backed, PE-backed and high-growth companies on compensation, benefits and retirement design, as well as workforce management, payroll, compliance and employee experience. Prior to joining Alliant he served […]
- [Antares backs new affirmative cyber war cover for US critical infrastructure operators](https://www.insuracarelife.com/blog/antares-backs-new-affirmative-cyber-war-cover-for-us-critical-infrastructure-operators/): The product also responds to an active and escalating threat picture. US agencies including CISA, the NSA and the FBI have warned that Chinese state-sponsored actors, tracked under names including Volt Typhoon, have maintained long-term, undetected access inside US critical infrastructure networks spanning energy, water, transportation and communications, positioning themselves for potential disruptive action during […]
- [Dr. Karen Rasmussen joins New Cadence Healthcare as its Third Physician, Reuniting Doctors from Same Long Beach Residency Program](https://www.insuracarelife.com/blog/dr-karen-rasmussen-joins-new-cadence-healthcare-as-its-third-physician-reuniting-doctors-from-same-long-beach-residency-program/): CALIFORNIA NEWSWIRE (LONG BEACH, Calif.) — New Cadence Healthcare, a membership-based primary care practice in Long Beach, today announced that Dr. Karen Rasmussen will join the practice as its third physician beginning August 2026. Dr. Rasmussen is a board-certified family physician who has cared for patients in Southern California for more than a decade. Dr. […]
- [GEICO sues over alleged No-Fault fraud in two states](https://www.insuracarelife.com/blog/geico-sues-over-alleged-no-fault-fraud-in-two-states/): Two claims stand out. GEICO says physical therapy was done, if at all, by “massage therapists” and “unlicensed/unsupervised personnel,” then billed under licensed practitioners’ names, because Florida bars PIP payment for massage-therapist work; it cites single days when one practitioner purportedly performed or supervised at least 57 hours of therapy across multiple locations. It also […]
- [Hilb Group buys Louisiana agency as brokerage M&A cools](https://www.insuracarelife.com/blog/hilb-group-buys-louisiana-agency-as-brokerage-ma-cools/): Hilb Group has acquired a property and casualty insurance agency in Louisiana, effective July 1, 2026, extending the company’s presence in its Central region. The Richmond, Virginia-based brokerage did not disclose the name of the acquired agency or the terms of the transaction – the second consecutive Louisiana acquisition Hilb has completed without naming the […]
- [The Mortgage Collaborative announces TMC Healthcare Cooperative for lender members and preferred partners](https://www.insuracarelife.com/blog/the-mortgage-collaborative-announces-tmc-healthcare-cooperative-for-lender-members-and-preferred-partners/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, has launched the TMC Healthcare Cooperative, a self-funded medical program open to all TMC lender members and preferred partners. Developed in partnership with CCIG, a Colorado-based employee benefits firm, the program gives vendors, community banks, credit […]
- [Seventh Circuit backs Hartford in $4 million fraud dispute](https://www.insuracarelife.com/blog/seventh-circuit-backs-hartford-in-4-million-fraud-dispute/): OSD held a Financial Institution Bond for Insurance Companies from Hartford. Two riders were at issue: one covering computer systems fraud, the other covering fraud initiated through email. According to the complaint, outside hackers ran what the court described as “a spear phishing scheme” to gain access to the email account of OSD’s chief financial officer. Posing […]
- [Author Shaffa's Groundbreaking Book, 'The Feeling You Cannot Admit' Reveals Parenting Feeling No One Has Been Allowed to Name](https://www.insuracarelife.com/blog/author-shaffas-groundbreaking-book-the-feeling-you-cannot-admit-reveals-parenting-feeling-no-one-has-been-allowed-to-name/): CALIFORNIA NEWSWIRE (LANCASTER, Calif.) — Author, teacher, and coach Shaffa today announced the publication of “The Feeling You Cannot Admit: For the Parent Who Cannot Love Freely and the Child Who Grew Up Knowing It” (ISBN: 979-8996214310, paper; publisher: Peace with Shaffa, July 2026), the first book ever written to directly name and address the […]
- [Allstate America’s Best Drivers Report® reveals the safest U.S. cities, ways for drivers to lower crash risks and costs](https://www.insuracarelife.com/blog/allstate-americas-best-drivers-report-reveals-the-safest-u-s-cities-ways-for-drivers-to-lower-crash-risks-and-costs/): Key takeaways: For the second straight year, Brownsville, Texas, ranks as the safest city, with drivers going nearly 15 years between collisions. Boston remains the most collision-prone at just 3.76 years. Drivers in the safest cities are nearly four times less likely to experience a crash. Waco, Texas, made the largest improvement year over year […]
- [How E&S carriers are solving the problem that regulators created](https://www.insuracarelife.com/blog/how-es-carriers-are-solving-the-problem-that-regulators-created/): “When admitted market bureaucracy is mind-numbing or insurance departments won’t approve anything, risk capital finds alternative product channels, which can undermine consumer interests.” The regulatory reform question Clark points to recent California reforms as a potential turning point. Changes that make it easier to incorporate frontier catastrophe model outputs in rate filings, and to include […]
- [World Insurance Associates acquires Clarke Insurance](https://www.insuracarelife.com/blog/world-insurance-associates-acquires-clarke-insurance/): A challenging moment for New Jersey’s personal auto market The acquisition adds to World’s footprint in a state where personal auto insurance, one of Clarke’s core lines, is going through a turbulent stretch. New Jersey implemented the second and final phase of a legislatively mandated increase to minimum auto liability limits on January 1, 2026, […]
- [Once-promising AIG insurance venture in China for sale for 15 Cents](https://www.insuracarelife.com/blog/once-promising-aig-insurance-venture-in-china-for-sale-for-15-cents/): A cleanup with real teeth The sale lands amid a broader regulatory reckoning. China’s National Financial Regulatory Administration has scheduled comprehensive on-site inspections of five major insurers in 2026 — Ping An Life, PICC Property and Casualty, PICC Pension, Taiping Pension, plus a follow-up at Taikang — alongside nine asset managers, Caixin reported in March. […]
- [Carbon Underwriting lands FTV backing amid MGA consolidation](https://www.insuracarelife.com/blog/carbon-underwriting-lands-ftv-backing-amid-mga-consolidation/): Vostrizansky, a partner at FTV who led the transaction alongside colleagues Richard Earnshaw and Max Weber, said Carbon’s data-led approach to delegated underwriting fits a segment of the market he described as underserved. “The US represents a substantial, largely untapped opportunity for that proposition,” he said. Earnshaw added that Carbon’s focus on low-volatility SME risk, and […]
- [Why state reinsurance schemes keep failing](https://www.insuracarelife.com/blog/why-state-reinsurance-schemes-keep-failing/): Between 2017 and 2026, reinsurers paid out 95% of the premiums they received from US homeowners’ insurers in claims payments and operating expenses. After accounting for the reinsurance industry’s costs and margin, the net cost of reinsurance to the consumer amounts to less than one cent per dollar of premium. That figure comes from Karalee […]
- [JetBlue passenger plane hit by drone on JFK approach](https://www.insuracarelife.com/blog/jetblue-passenger-plane-hit-by-drone-on-jfk-approach/): The drone operator, if identified, faces civil FAA penalties of up to $75,000 per violation and potential criminal charges – but faces those penalties with no insurance backstop. Flying in controlled airspace around an airport without authorization, which is what an operator would need to do to place a drone at 3,000 feet on a […]
- [The Doctors Company closes $1.3 billion ProAssurance acquisition](https://www.insuracarelife.com/blog/the-doctors-company-closes-1-3-billion-proassurance-acquisition/): The AMA’s April 2026 Policy Research Perspective report confirmed that medical liability premiums rose for the seventh consecutive year in 2025, with 39.9% of premiums increasing – the highest rate since 2005 outside the 2024 peak of 49.8%. Increases were concentrated in Pennsylvania, where 92.2% of reported premiums rose, and New York, where 95.7% increased. […]
- [3.1TB of NAIC data dumped on to the dark web](https://www.insuracarelife.com/blog/3-1tb-of-naic-data-dumped-on-to-the-dark-web/): What the dump contains ShinyHunters revised its claims about the dataset on Thursday, saying its earlier account of the contents was an “overstatement” caused by “an analytical error and an AI-generated misinterpretation of the underlying data.” Its amended version describes the 3.1TB trove as containing more than 264,000 insurer regulatory filing PDFs spanning property, casualty, […]
- [Higginbotham enters South Carolina with Turbeville Insurance deal](https://www.insuracarelife.com/blog/higginbotham-enters-south-carolina-with-turbeville-insurance-deal/): Turbeville Insurance Agency was founded in 1991 by William L. “Bill” Turbeville Jr. and serves personal, commercial, life, health and employee benefits clients across offices in Columbia, Lexington, Beaufort and Charleston. The firm has particular depth in coastal property, construction, contractors, developers and restaurants — lines that align directly with South Carolina’s growth-driven risk profile. […]
- [Cancer claims and specialty drugs drive stop-loss cost surge: QBE](https://www.insuracarelife.com/blog/cancer-claims-and-specialty-drugs-drive-stop-loss-cost-surge-qbe/): The annual report, which draws on QBE’s proprietary claims data, found that neoplasms account for 36% of all stop-loss claim reimbursements, maintaining their position as the leading diagnosis across all deductible levels. At the $200,000 deductible level, neoplasm claim severity rose 12% from the average of prior years, while frequency climbed nearly 30%. Across all […]
- [Strait of Hormuz crisis: Why the biggest opportunity in marine war insurance lies ahead](https://www.insuracarelife.com/blog/strait-of-hormuz-crisis-why-the-biggest-opportunity-in-marine-war-insurance-lies-ahead/): The Strait of Hormuz has been closed, mined, contested and partially reopened since February. War risk premiums surged from 0.125% of hull value to as high as 10% for the most exposed vessels – an 80-fold increase that generated headlines about a London marine war market finally getting what it deserved after years of soft […]
- [The $906 million wound care fraud the federal government caught](https://www.insuracarelife.com/blog/the-906-million-wound-care-fraud-the-federal-government-caught/): Commercial plans were explicitly in scope This is not a Medicare-only problem. The Apex Medical case – in which Alexandra Gehrke was sentenced to 15.5 years in prison on October 7, 2025, and Jeffrey King to 14 years on October 10, 2025, with a $309 million civil settlement announced in December – generated more than […]
- [Due to Wine Industry Contraction, Alder Springs Vineyard to Conclude Farming After 2026 Harvest](https://www.insuracarelife.com/blog/due-to-wine-industry-contraction-alder-springs-vineyard-to-conclude-farming-after-2026-harvest/): CALIFORNIA NEWSWIRE (LAYTONVILLE, Calif.) — After 33 years as one of California’s most singular and pioneering vineyards, Alder Springs Vineyard, the remote, high-elevation Mendocino County site, announced today that the 2026 harvest will be the last vintage farmed under founder and owner Stuart Bewley. After more than three decades, Bewley will step back from financing […]
- [Data centers are rewriting construction insurance: Aon](https://www.insuracarelife.com/blog/data-centers-are-rewriting-construction-insurance-aon/): The scale is the story. Williams said “the size, scale, complexity and length of these builds are unprecedented”, with hyperscale campuses – the very largest data centers – now routinely valued at US$30 billion to US$40 billion apiece. In land-scarce markets such as Japan, he noted, developers are weighing 52-story towers to stack servers vertically […]
- [Marsh warns businesses to prepare for higher trade friction as USMCA review enters formal phase](https://www.insuracarelife.com/blog/marsh-warns-businesses-to-prepare-for-higher-trade-friction-as-usmca-review-enters-formal-phase/): Christopher Coppock, head of geopolitical and economic risk analysis at Marsh, said: “Business leaders should assume greater policy friction is the new baseline as the trade agreement review unfolds, here in North America and around the world, and build resilience now. That means stress-testing supply chains against tariff and non-tariff shocks, clarifying contractual risk allocation […]
- [Data center boom is rewriting the construction risk playbook](https://www.insuracarelife.com/blog/data-center-boom-is-rewriting-the-construction-risk-playbook/): The scale is the story. Williams said “the size, scale, complexity and length of these builds are unprecedented”, with hyperscale campuses – the very largest data centers – now routinely valued at US$30 billion to US$40 billion apiece. In land-scarce markets such as Japan, he noted, developers are weighing 52-story towers to stack servers vertically […]
- [Allstate and SEC deepen historic relationship with investment in women's sports](https://www.insuracarelife.com/blog/allstate-and-sec-deepen-historic-relationship-with-investment-in-womens-sports/): BIRMINGHAM, Alabama and NORTHBROOK, Ill. (June 25, 2026) – Allstate and the Southeastern Conference (SEC) today announced an extension of its multi-year official sponsorship with an emphasis on elevating women’s sports across the conference. The agreement, through Disney Advertising, is headlined by the launch of the Allstate SEC Women’s Champions Cup, a flagship competition celebrating […]
- [Hillcrest Senior Community in La Verne Announces Second Annual UnityFest Celebrating Community, Inclusion, and Belonging](https://www.insuracarelife.com/blog/hillcrest-senior-community-in-la-verne-announces-second-annual-unityfest-celebrating-community-inclusion-and-belonging/): CALIFORNIA NEWSWIRE (LA VERNE, Calif.) — Hillcrest, a nonprofit continuing care retirement community in La Verne, will host its second annual UnityFest, bringing together residents, families, employees, volunteers, community partners, and guests on June 26 from 10:30 a.m.-1:00 p.m. at the Hillcrest campus, 2705 Mountain View Drive, La Verne, CA 91750. Dedicated to connection, celebration, […]
- [Legalize Ferrets in California: Petition Accepted, Not Denied, Never Decided - Ferret Petition Remains Unresolved After 378 Days](https://www.insuracarelife.com/blog/legalize-ferrets-in-california-petition-accepted-not-denied-never-decided-ferret-petition-remains-unresolved-after-378-days/): CALIFORNIA NEWSWIRE (LA MESA, Calif.) — Three hundred seventy-eight days after the California Fish and Game Commission unanimously voted to give further consideration to a petition seeking removal of domestic ferrets from California’s restricted species list, the petition remains unresolved, says Legalize Ferrets (Legalizeferrets.org). No recommendation has been issued. No determination has been provided to […]
- [Inside the AI modeling race reshaping catastrophe risk](https://www.insuracarelife.com/blog/inside-the-ai-modeling-race-reshaping-catastrophe-risk/): Peggy Brinkman, a principal actuary at Milliman, maps the trajectory: from univariate actuarial techniques, through generalized linear models, to gradient boosted machine models, and now to explainable boosting machines – a class of model that delivers gradient boosting accuracy with the interpretability that state regulators require for rate filing approval. The shift is happening across […]
- [Californians to Celebrate America’s 250th Birthday with Festive California Dairy-Inspired Recipes](https://www.insuracarelife.com/blog/californians-to-celebrate-americas-250th-birthday-with-festive-california-dairy-inspired-recipes/): CALIFORNIA NEWSWIRE (TRACY, Calif.) — As Americans prepare to celebrate the nation’s 250th birthday, Real California Milk is helping families make the holiday even more memorable with festive recipes featuring wholesome, delicious dairy products made with milk from California family dairy farms, the California Milk Advisory Board (CMAB) announced today. Whether hosting a backyard barbecue, […]
- [Why some insurers are using imprecise methods for risk analysis - and who gets hurt](https://www.insuracarelife.com/blog/why-some-insurers-are-using-imprecise-methods-for-risk-analysis-and-who-gets-hurt/): That is the central finding of “How Are Insurance Markets Adapting to Climate Change? Risk Classification and Pricing in the Market for Homeowners Insurance,” a June 2024 National Bureau of Economic Research working paper (NBER Working Paper No. 32625) by Judson Boomhower of UC San Diego, Meredith Fowlie of UC Berkeley, Jacob Gellman of the […]
- [Apple and Tesla trade secrets exposed as Tata hit by cyber breach](https://www.insuracarelife.com/blog/apple-and-tesla-trade-secrets-exposed-as-tata-hit-by-cyber-breach/): What researchers found inside the dump is hard to dismiss. Security experts who reviewed portions for Reuters found files labeled “com.apple.factorydata,” documents carrying Apple’s proprietary markings, and a 52-page document purporting to detail quality inspection standards for iPhone circuit board components. A search for “Apple” across the archive returned 181 files and folders. A search […]
- [IIHS crashworthiness tests save nearly 50,000 lives since program’s launch](https://www.insuracarelife.com/blog/iihs-crashworthiness-tests-save-nearly-50000-lives-since-programs-launch/): 
 
 
 
 Advancements made in pursuit of good ratings from IIHS have had a dramatic effect on vehicle safety over the past 30 years. 
 By 
 June 24, 2026 
 
 
 
 
 
 
 
 Vehicle improvements spurred by the Insurance Institute for Highway Safety’s testing program have saved nearly […]
- [Strait of Hormuz signals new maritime order, Allianz warns](https://www.insuracarelife.com/blog/strait-of-hormuz-signals-new-maritime-order-allianz-warns/): The claims tail may prove to be long. Even before the conflict, the International Union of Marine Insurance (IUMI) projected average hull claim costs rising 7 to 22% over five years, while Nordic insurer association Cefor reported in April 2026 that claims cost per vessel sat 33% above pre-pandemic levels. Régis Broudin, global head of marine claims […]
- [Breakthrough At-Home Vision Testing Platform Reinvents the Eye Exam, Available Partnership and Acquisition Relationships](https://www.insuracarelife.com/blog/breakthrough-at-home-vision-testing-platform-reinvents-the-eye-exam-available-partnership-and-acquisition-relationships/): CALIFORNIA NEWSWIRE (LOS ANGELES, Calif.) — ProNova Partners, a 17-year-old Mergers and Acquisitions firm, has announced it has been retained to develop major strategic partnership and acquisition relationships for a breakthrough at-home vision-testing technology built on optical science exclusively licensed from the Massachusetts Institute of Technology (MIT). The platform lets a person measure their own […]
- [No cover, no buyers: the insurance gap that stopped a $1.6bn Surfside tower in its tracks](https://www.insuracarelife.com/blog/no-cover-no-buyers-the-insurance-gap-that-stopped-a-1-6bn-surfside-tower-in-its-tracks/): The legacy that changed the underwriting room  The broader significance of the Surfside anniversary for the industry lies not in Damac’s struggles alone, but in the systemic changes the collapse set in motion. The event also took on fresh urgency on Monday, when NIST released its long-awaited technical findings. Federal investigators concluded that the collapse began several […]
- [Cover Whale launches Breakwater Markets wholesale brokerage with senior transportation hire](https://www.insuracarelife.com/blog/cover-whale-launches-breakwater-markets-wholesale-brokerage-with-senior-transportation-hire/): A hard market driving demand for wholesale capacity The launch comes against a challenging backdrop for commercial transportation insurance. According to RPS’s 2025 Transportation Market Outlook, the cost to insure physical damage increased 18% in 2025 over 2024, while umbrella liability rose 12%, with auto liability increases ranging between 7.5% and 20% driven by settlement […]
- [GEICO sues Queens pharmacy over alleged $1.2 million no-fault scheme](https://www.insuracarelife.com/blog/geico-sues-queens-pharmacy-over-alleged-1-2-million-no-fault-scheme/): For claims teams, the alleged playbook is the story. GEICO says the pharmacy zeroed in on a few pricey topical pain products – Diclofenac Sodium 2% Solution, Diclofenac Sodium Gel 3%, and Lidocaine 5% Ointment – plus the oral Vimovo Products. The filing lists typical charges of $2,686.88, $2,358, and $2,217.84 per prescription, respectively. According to the […]
- [ScentFest SF 2026 in San Francisco is West Coast’s First International Consumer Fragrance Festival](https://www.insuracarelife.com/blog/scentfest-sf-2026-in-san-francisco-is-west-coasts-first-international-consumer-fragrance-festival/): CALIFORNIA NEWSWIRE (SAN FRANCISCO, Calif.) — ScentFest SF, the West Coast’s first international consumer fragrance festival, opens June 26 to 28, 2026 at the Gateway Pavilion at Fort Mason Center in San Francisco. Founded by Sebastian Jara, creator of The Perfume Guy on YouTube, the inaugural three-day festival gathers more than 110 fragrance houses from […]
- [Best Insurers for Claims in the USA | 5-Star Claims](https://www.insuracarelife.com/blog/best-insurers-for-claims-in-the-usa-5-star-claims/): Jump to winners | Jump to methodology Excellence under pressure: how America’s top claims insurers are winning broker trust Sixteen US insurance carriers have earned Insurance Business America’s 5-Star Claims designation for 2026, as rated by brokers across the country on claims management, communication, and operational efficiency. This report identifies which companies earned the designation and […]
- [Which AI is right for your insurance brokerage? A practical guide to the models that matter in 2026](https://www.insuracarelife.com/blog/which-ai-is-right-for-your-insurance-brokerage-a-practical-guide-to-the-models-that-matter-in-2026/): Pricing at a glance AI platform costs · June 2026 · USD per user/month Pricing comparison: main AI platforms Subscription tiers only. Enterprise pricing negotiated separately for all platforms. Free tier Standard paid Power user Hidden / watch out ChatGPT
 OpenAI · GPT-5.5 Free $20 Plus $200 Pro Teams $25/seat Claude
 Anthropic · Opus 4.8 […]
- [The threat landscape that should be keeping US cyber underwriters up at night](https://www.insuracarelife.com/blog/the-threat-landscape-that-should-be-keeping-us-cyber-underwriters-up-at-night/): Data analysis Asia-Pacific cyber threats: volume vs insurance severity Each bubble is one of the top five cybercrime types ranked by INTERPOL across 18 member countries. Horizontal: case volume. Vertical: insurance claims severity. Bubble size: pace of escalation. Hover for detail. High vol / High severity High severity / Lower vol Moderate severity / High […]
- [How Frankenmuth Insurance shed its mainframe and built for the future](https://www.insuracarelife.com/blog/how-frankenmuth-insurance-shed-its-mainframe-and-built-for-the-future/): “They either experience fatigue or cost overruns with large-scale transformations, and as a result they abandon some of those legacy technical debt remediations. That causes impact to the organization and limits the ability to truly reap the benefits of transformation.” That discipline, she argues, is now paying dividends. With the mainframe gone and a modern […]
- [Are wealth managers muscling in on personal lines?](https://www.insuracarelife.com/blog/are-wealth-managers-muscling-in-on-personal-lines/): The RIA channel is targeting the other end — and it is the more valuable one. Cerulli Associates estimated in its 2026 US Retail Investor Solutions report that mass-affluent households alone, those with between $100,000 and $2 million in financial assets, represent a $25 trillion wealth opportunity across approximately 46.9 million households. These are households […]
- [AXA XL builds out Americas broker infrastructure with third senior move in six months](https://www.insuracarelife.com/blog/axa-xl-builds-out-americas-broker-infrastructure-with-third-senior-move-in-six-months/): The broader hiring pattern The Kwan appointment follows two earlier hires that established the same distribution-focused logic. In January, AXA XL named Rychling herself to her current broker relations role, having previously served as senior vice president of risk management at MGM Resorts International – a client-side background that brings direct experience of how large […]
- [Six straight years above $100 billion - and the insurance environment is not getting simpler](https://www.insuracarelife.com/blog/six-straight-years-above-100-billion-and-the-insurance-environment-is-not-getting-simpler/): The GILC review identifies flood, storm, wildfire and catastrophe exposures as placing pressure on underwriting, pricing, reinsurance arrangements, product design and the affordability of cover across multiple jurisdictions. In Australia, the Insurance Council of Australia’s updated data shows extreme weather losses surging alongside higher average claim costs and significant pressure on supply chains, with Munich […]
- [Annuity demand surges, yet consumers stay wary](https://www.insuracarelife.com/blog/annuity-demand-surges-yet-consumers-stay-wary/): US annuity sales totalled $107.4 billion in the first quarter of 2026, up 1% from a year earlier and the latest in a sustained run of quarterly sales above $100 billion, according to LIMRA’s US Individual Annuity Sales Survey. The figures build on a record 2025, when full-year annuity sales rose 7% to $464.1 billion […]
- [Iran's insurance gambit in the Strait of Hormuz is a claim waiting to happen](https://www.insuracarelife.com/blog/irans-insurance-gambit-in-the-strait-of-hormuz-is-a-claim-waiting-to-happen/): During the 60-day window, the insurance is free — no payment changes hands, and the sanctions exposure is arguably manageable. But after day 60, if the PGSA introduces fees as it has explicitly reserved the right to do, a shipowner acquiring PGSA-approved insurance would be paying a sanctioned entity. That creates a direct conflict between […]
- [Christian Navarro Returns to L.A. with New Concept: christian’s Wine Bar & Restaurant at Iconic HBO Building on Sunset](https://www.insuracarelife.com/blog/christian-navarro-returns-to-l-a-with-new-concept-christians-wine-bar-restaurant-at-iconic-hbo-building-on-sunset/): CALIFORNIA NEWSWIRE (LOS ANGELES, Calif.) — Renowned wine and hospitality guru Christian Navarro, celebrated for transforming Wally’s from a beloved neighborhood shop (founded in 1968) into one of North America’s premier wine, spirits, and dining destinations is thrilled to return to his hometown of Los Angeles with his latest standalone venture: “christian’s” Wine Bar & […]
- [Brown & Brown lands new CRE distribution channel](https://www.insuracarelife.com/blog/brown-brown-lands-new-cre-distribution-channel/): Dan Cioci, executive vice president and director of Brown & Brown’s National Real Estate Practice, said the arrangement works in both directions. “As insurance costs continue to play a larger role in valuation and execution, commercial real estate investors are seeking greater clarity early in the transaction process,” Cioci said. “Marcus & Millichap’s scale, long-standing […]
- [Illinois tornado surge raises fraud concerns, NICB warns](https://www.insuracarelife.com/blog/illinois-tornado-surge-raises-fraud-concerns-nicb-warns/): Specific warning signs include contractors claiming insurer affiliation without verification, offering free inspections, requesting cash payments or immediate contract signatures, waiving deductibles, or presenting contracts containing blank spaces. Door-to-door solicitation immediately after a storm is itself a warning indicator. On Assignment of Benefits, NICB cautioned consumers to understand the implications before signing – transferring insurance […]
- [Great American sues to rescind seven policies tied to California landlord](https://www.insuracarelife.com/blog/great-american-sues-to-rescind-seven-policies-tied-to-california-landlord/): For insurers, the story sits in the application. Great American says it issued the seven policies over about ten months, each naming a defendant entity as first named insured, with periods running from 2025 into 2027. Then it points to what the applicants wrote. MPN-14 Limited Partnership stated on its application for policy F353365 that it “abide[s] […]
- [May 2026 Monthly Release | Allstate Newsroom](https://www.insuracarelife.com/blog/may-2026-monthly-release-allstate-newsroom/): NORTHBROOK, Ill., June 18, 2026 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of May of $289 million or $228 million, after-tax. Total catastrophe losses for April and May were $1.16 billion or $915 million, after-tax. Allstate Protection Policies in Force* in thousands May 31, 2026 April 30, 2026 May […]
- [State Farm blinked. That doesn't mean their agents won](https://www.insuracarelife.com/blog/state-farm-blinked-that-doesnt-mean-their-agents-won/): “I have literally held the hand of many spouses who’ve lost their loved ones, attended funerals of parents who lost their child, sat with policyholders as their home smoldered in ashes. AI cannot replace a human who cares about other humans.” – A 20-plus-year State Farm agent, r/StateFarm The agents making this argument are not […]
- [King Risk Partners launches Transportation Practice with specialist hire](https://www.insuracarelife.com/blog/king-risk-partners-launches-transportation-practice-with-specialist-hire/): Howard Weiss, chief growth officer at King Risk Partners, said producers need infrastructure behind them to compete effectively in today’s market. “Specialisation is no longer optional in today’s environment – it is a requirement. Our focus is on building real capabilities behind our producers so they can move faster, win more, and deliver better outcomes […]
- [Napa's Domaine Carneros Winery Remembers its Late Founding CEO, Winemaker Eileen Crane](https://www.insuracarelife.com/blog/napas-domaine-carneros-winery-remembers-its-late-founding-ceo-winemaker-eileen-crane/): CALIFORNIA NEWSWIRE (NAPA, Calif.) — Domaine Carneros shares with great sadness the passing of Eileen Crane, our founding winemaker, longtime CEO, and the woman who made Domaine Carneros what it is today. Anyone who spent time with Eileen quickly understood that her gifts went well beyond the cellar. She had sharp wit and quiet conviction. […]
- [Earnix launches AIOS – insurance-native AI for high-stakes business decisions](https://www.insuracarelife.com/blog/earnix-launches-aios-insurance-native-ai-for-high-stakes-business-decisions/): Earnix is the first AI company purpose-built for insurance decisioning, providing the industry with the intelligence, governance, and decisioning agility to drive profitable growth, improve resilience, and operate with speed and precision in a rapidly changing risk environment. A trusted provider of production-grade AI and decisioning technology for insurers, Earnix builds on more than 25 […]
- [Insurance CEO's killer to claim psychiatric defence](https://www.insuracarelife.com/blog/insurance-ceos-killer-to-claim-psychiatric-defence/): What followed unsettled insurance executives and risk managers across the country. Rather than universal condemnation, the killing sparked an outpouring of public anger directed not at the alleged shooter, but at the healthcare and insurance industries. Social media platforms filled with commentary expressing frustration over denied claims, rising premiums, and what many Americans described as […]
- [World Insurance Associates acquires insurance agency in New Jersey](https://www.insuracarelife.com/blog/world-insurance-associates-acquires-insurance-agency-in-new-jersey/): That personal lines momentum matters particularly in a state like New Jersey, where market conditions have been tightening in precisely the lines MLR serves. Insurers including State Farm have dropped homeowner policies in New Jersey, part of a broader pattern of carrier withdrawals from markets where regulatory constraints have historically delayed rate adjustments. The pattern […]
- [El Niño is declared. Atlantic wind shear should help US insurers – but…](https://www.insuracarelife.com/blog/el-nino-is-declared-atlantic-wind-shear-should-help-us-insurers-but/): The Pacific side of the ledger What El Niño gives back on the Atlantic it takes elsewhere. El Niño simultaneously boosts tropical cyclone activity across the central and east Pacific while suppressing the Atlantic – with direct implications for carriers with Latin American or Pacific coast exposure. Past El Niño analogs include catastrophic California and […]
- [Allianz leads the pack as insurers race to turn AI investment into real competitive advantage](https://www.insuracarelife.com/blog/allianz-leads-the-pack-as-insurers-race-to-turn-ai-investment-into-real-competitive-advantage/): In innovation, Allianz now leads the sector in research and patents, having climbed from fourth place in 2025. It has registered more than 900 AI use cases worldwide spanning underwriting, claims, fraud detection, and customer service. Its Nemo platform, launched last November, represents the most advanced example of agentic AI deployment found among the 30 […]
- [Willis finds cyber coverage adequate for most breach and first-party losses](https://www.insuracarelife.com/blog/willis-finds-cyber-coverage-adequate-for-most-breach-and-first-party-losses/): Parrant cited Australia as an example of escalating post-incident consequences, pointing to increased regulatory scrutiny, greater class action exposure, and costs associated with remediation, customer notification, and business disruption. “As the threat landscape continues to intensify, the impact is being felt not only in the frequency, severity, and velocity of cyber events, but also in […]
- [Zurich files for EU approval on Beazley takeover](https://www.insuracarelife.com/blog/zurich-files-for-eu-approval-on-beazley-takeover/): Zurich agreed terms on the all-cash acquisition on March 2, 2026, with Beazley shareholders entitled to receive 1,335 pence per share, comprising 1,310 pence in cash and a permitted dividend of 25 pence. The offer represents a premium of approximately 62.8% to Beazley’s closing price on January 16, 2026, valuing the transaction at approximately £8.1 […]
- [Only about 4% of US homeowners have flood insurance - despite billions in annual losses](https://www.insuracarelife.com/blog/only-about-4-of-us-homeowners-have-flood-insurance-despite-billions-in-annual-losses/): “The private insurance market in general has shown that it willing and prepared to address the growing risk in the US and help close that protection gap,” added Garrahan. “Between 2020 and 2024, the private market grew by approximately 20%. [Essentially], we know that flood is generally an insurable peril. When insurance companies left the […]
- [Insurance moves: HDI Global and Gregory & Appel](https://www.insuracarelife.com/blog/insurance-moves-hdi-global-and-gregory-appel/): Gregory & Appel names employee benefits practice leader Indianapolis-based Gregory & Appel Insurance has appointed Matt Heincker (pictured, right) as employee benefits practice leader, bringing nearly 20 years of employee benefits brokerage and leadership experience in Central Indiana to the role. Heincker is known for a finance-focused approach to consulting, with particular expertise in self-funding, […]
- [Lockton hits $4.5 billion in revenue in sixth straight year of double-digit growth](https://www.insuracarelife.com/blog/lockton-hits-4-5-billion-in-revenue-in-sixth-straight-year-of-double-digit-growth/): Lockton Re and the reinsurance market Lockton Re’s approximately 15% growth came as insurers navigated capital constraints, evolving market dynamics, and portfolio optimization challenges – conditions that, in the current environment, have increased demand for sophisticated advisory support. The reinsurance arm continued to build out its capital markets and capital advisory capabilities during the year, […]
- [How US states pay for home fortification is as important as whether they do](https://www.insuracarelife.com/blog/how-us-states-pay-for-home-fortification-is-as-important-as-whether-they-do/): Louisiana’s approach has produced measurable results. Homeowners who upgraded their roofs to FORTIFIED standards saw an average annual premium reduction of 22%, according to a report from the Louisiana Legislative Auditor, with more than a quarter of participants saving $2,000 or more per year. The state offers a $10,000 income tax credit for FORTIFIED roof […]
- [Hawai'i moves to free $200 million in stranded wildfire insurance money](https://www.insuracarelife.com/blog/hawaii-moves-to-free-200-million-in-stranded-wildfire-insurance-money/): A bill that cleared the Hawaii Legislature, S.B. 2930 (introduced by Senators Angus McKelvey, Stanley Chang, and Troy Hashimoto), would raise the expenditure ceiling on the State Risk Management Revolving Fund, established under section 41D-4 of the Hawaii Revised Statutes. The fund holds the property and liability insurance proceeds the state received after state facilities and other property in Lahaina were […]
- [What the latest cyber claims data means for your clients](https://www.insuracarelife.com/blog/what-the-latest-cyber-claims-data-means-for-your-clients/): The cyber landscape is evolving rapidly, and brokers who understand the data are better positioned to serve their clients with confidence. According to an AM Best report cited in Cowbell’s 2026 Claims Report, US cyber premiums reached $9.14 billion while claims activity rose 40%, underscoring just how active today’s risk environment has become. For brokers advising clients across […]
- [Builders risk coverage gaps agents need to know and how to close them](https://www.insuracarelife.com/blog/builders-risk-coverage-gaps-agents-need-to-know-and-how-to-close-them/): The US construction sector continues to expand, and with it, the complexity of insuring projects from groundbreaking to completion. Yet for many insurance agents, builders risk policies remain one of the most misunderstood products in the commercial lines toolkit. Coverage exclusions, valuation missteps, and poorly timed policy transitions can leave clients and agents dangerously exposed when a loss occurs.  Victor Insurance’s […]
- [What the Munich Google ruling means for insurers](https://www.insuracarelife.com/blog/what-the-munich-google-ruling-means-for-insurers/): The exposure concentrates wherever a generative system makes checkable factual claims about identifiable third parties or customers, and where the output is presented as a finished answer rather than a draft. That description fits a substantial portion of current insurance AI deployments – a customer-facing chatbot that summarizes a policyholder’s coverage, an AI tool that […]
- [The woman shaking up claims is ready to moderate the room](https://www.insuracarelife.com/blog/the-woman-shaking-up-claims-is-ready-to-moderate-the-room/): “InsuranceFest stands out because it brings together the people who are truly pushing our industry forward – creating space for honest conversations, new ideas, and real collaboration in a way you don’t often see in insurance,” Willers said. “At ClaimDeck, we’re excited to be part of the dialogue around how technology, transparency, and stronger partnerships […]
- [As California Architect Fees Soar, Sierra Log & Timber Offers Flat-Rate ADU 3D Drafting Solution](https://www.insuracarelife.com/blog/as-california-architect-fees-soar-sierra-log-timber-offers-flat-rate-adu-3d-drafting-solution/): CALIFORNIA NEWSWIRE (CHICO, Calif.) — With California architectural fees climbing to historic highs, standard residential design services are rapidly becoming cost-prohibitive for middle-class homebuilders. In a direct bid to dismantle this financial bottleneck, California-based manufacturer Sierra Log and Timber today announced the rollout of a flat-rate $950 custom 3D architectural drafting program available for ADUs […]
- [ESAs 2025 report on major ICT-related incidents | A&O Shearman](https://www.insuracarelife.com/blog/esas-2025-report-on-major-ict-related-incidents-ao-shearman/): The European Supervisory Authorities (the European Banking Authority, the European Insurance and Occupational Pensions Authority and the European Securities and Markets Authority) have published their first annual report on major ICT-related incidents under the Digital Operational Resilience Act (DORA). The report covers 2025 and records 3,383 major incidents across all financial sectors. The ESAs emphasise […]
- [Evolving Fertility Benefits: Proposed Regulations and What They Mean for Employers | Nelson Mullins Riley & Scarborough LLP](https://www.insuracarelife.com/blog/evolving-fertility-benefits-proposed-regulations-and-what-they-mean-for-employers-nelson-mullins-riley-scarborough-llp/): The Departments of Labor, Health and Human Services, and Treasury recently published proposed regulations aimed at expanding employer-provided access to fertility benefits. The Proposed Regulations implement President Donald Trump’s February 2025 Executive Order 14216, Expanding Access to In Vitro Fertilization, which directed federal government agencies to identify ways to ensure reliable and affordable access to […]
- [Restructuring a Lab: What to Test For | J.S. Held](https://www.insuracarelife.com/blog/restructuring-a-lab-what-to-test-for-j-s-held/): [authors: Mike Bergthold, Quintin Brown, Samuel R. Maizel, Esq.] Authored by J.S. Held, this article was first published by ABI Journal in May 2026. Bankruptcy and restructuring professionals should read this article to: • Understand why laboratory distress requires a different diagnostic lens than traditional health care bankruptcies, with heightened regulatory and payer risk • […]
- [[Webinar] The Duty to Defend Additional Insureds in New York: Guidance from Recent Cases - June 24th, 12:00 pm - 1:00 pm EDT | Goldberg Segalla](https://www.insuracarelife.com/blog/webinar-the-duty-to-defend-additional-insureds-in-new-york-guidance-from-recent-cases-june-24th-1200-pm-100-pm-edt-goldberg-segalla/): June 24th, 2026 12:00 PM – 1:00 PM EDT Join Goldberg Segalla partner Ashlyn Capote for an important discussion on the risk-transfer issues New York insurance practitioners constantly encounter in the Empire State. Sometimes, the insurer is looking for opportunities to shift a policyholder’s liability to another party, and sometimes, those same practitioners are evaluating […]
- [New York’s Sweeping Motor Vehicle Tort Law Reforms: More Than Meets the Eye | Hinshaw & Culbertson - Insights for Insurers](https://www.insuracarelife.com/blog/new-yorks-sweeping-motor-vehicle-tort-law-reforms-more-than-meets-the-eye-hinshaw-culbertson-insights-for-insurers/): Key Changes Insurers and Defense Counsel Need to Know Effective for all actions commenced on or after May 26, 2026, Assembly Bill A10008 enacts sweeping changes to New York’s motor vehicle tort law. While broadly characterized as pro-defendant, these reforms present a more complex picture for insurers and defense counsel, removing established dispositive tools, potentially […]
- [What is Pet Insurance: Coverage, Costs, and Functionality](https://www.insuracarelife.com/blog/pet-insurance-coverage-costs/): What is Pet Insurance? Pet insurance is a financial product designed to assist pet owners in managing the veterinary costs associated with their animals. Like human health insurance, it offers a means of coverage for various medical expenses; however, there are significant differences in how it operates. Primarily, pet insurance is focused on providing coverage for pets—typically dogs and cats, although some policies extend to other animals such as rabbits, birds, and reptiles. The purpose of pet insurance is to alleviate the financial burden that can arise from unexpected vet bills. Veterinary care can be expensive, especially in emergency situations or […]
- [Finding the Most Affordable Life Insurance Providers in the U.S.](https://www.insuracarelife.com/blog/finding-the-most-affordable-life-insurance-providers-in-the-u-s/): Understanding Life Insurance Basics Life insurance is a contract between the policyholder and an insurance company, where the insurer provides a monetary benefit upon the death of the insured individual or after a set period. This financial product is designed to offer security and peace of mind to policyholders and their beneficiaries by ensuring financial support in the event of an unforeseen loss. There are several types of life insurance policies available, each designed to meet different needs. The three primary categories are term life, whole life, and universal life insurance. Term life insurance provides coverage for a specific period, typically […]
- [Discovering Affordable Insurance Plans in the United States](https://www.insuracarelife.com/blog/discovering-affordable-insurance-plans/): Understanding Insurance Types When it comes to securing a cheap insurance policy plan, it is essential to first understand the various types of insurance options available in the United States. Each type of insurance serves a specific purpose and encompasses different coverage levels which can significantly influence the price of the policy. Health insurance is one of the most critical forms of coverage, providing financial protection against medical expenses. Individuals can choose from managed care plans, health maintenance organizations (HMOs), preferred provider organizations (PPOs), and high-deductible health plans (HDHPs). To find the cheapest insurance policy plan related to health, one must […]
- [Top Affordable Commercial Auto Insurance Providers 2026](https://www.insuracarelife.com/blog/top-affordable-commercial-auto-insurance-providers/): Understanding Commercial Auto Insurance Commercial auto insurance is a specialized form of coverage designed to protect businesses that utilize vehicles as part of their operations. This type of insurance is crucial for companies that rely on cars, trucks, or vans to transport goods, deliver services, or commute to client appointments. Unlike personal auto insurance, which covers individual drivers and their vehicles for personal use, commercial auto insurance policies address the unique needs and risks associated with business operations. The primary purpose of commercial auto insurance is to mitigate financial losses that can arise from accidents, theft, or damage involving vehicles used […]
- [Home and Property Insurance Services in the United States](https://www.insuracarelife.com/blog/home-and-property-insurance-services/): Understanding Home Insurance Home insurance, also known as homeowners insurance, is a form of property insurance that provides financial protection against various risks related to owning a home. Its primary purpose is to safeguard homeowners from potential losses due to events such as fire, theft, vandalism, and certain natural disasters. Given the significant investment involved in purchasing a home, home insurance plays a crucial role in ensuring that property owners can recover financially from unforeseen incidents. When exploring home insurance options, it is essential to understand the typical coverage included in a standard policy. Most homeowners insurance policies offer coverage for […]
- [Quick and Easy Life Insurance Solutions in the U.S.](https://www.insuracarelife.com/blog/simplifying-life-insurance-quick-and-easy-solutions-in-the-u-s/): Understanding Life Insurance Life insurance serves as a financial safety net for your loved ones in the event of your passing. It ensures that they have support during a challenging time, covering expenses such as mortgages, debts, or daily living costs. In the United States, choosing the right life insurance policy can be a straightforward process, especially if you know what you’re looking for. Types of Life Insurance Policies There are primarily two types of life insurance: term life insurance and whole life insurance. Term life insurance provides coverage for a specified period, typically ranging from 10 to 30 years. It […]
- [Types of Insurance Coverage Explained: What You Need to Know](https://www.insuracarelife.com/blog/exploring-various-types-of-insurance-coverage/): Introduction to Insurance Coverage Insurance coverage serves as a vital tool in managing risks and providing financial protection against unforeseen events that can impact individuals and businesses alike. At its core, insurance is a mechanism that allows people to transfer the financial burden of unexpected losses to an insurer in exchange for regular premium payments. The fundamental purpose of insurance coverage is to alleviate the economic effects of accidents, disasters, and other incidents that could lead to significant financial losses. Risk management is an essential component of insurance. In essence, risk management involves identifying, evaluating, and mitigating risks to reduce the […]
- [The Importance of Quality Insurance Services for American Families and Businesses](https://www.insuracarelife.com/blog/the-importance-of-quality-insurance-services-for-american-families-and-businesses/): Understanding Quality Insurance Services Quality insurance services serve as a crucial underpinning for both American families and businesses, providing the necessary protection against various risks and uncertainties. At its core, quality insurance can be defined by a few essential features, which set it apart from standard offerings. Comprehensive coverage is one of the most fundamental aspects. This means that the insurance policy should offer extensive protection that addresses a multitude of potential risks faced by clients. For families, this might include home, health, and auto insurance, while businesses may require coverage for property, liability, and employee benefits. Another vital characteristic of […]
- [Understanding Health Insurance Services and Coverage Options in the USA](https://www.insuracarelife.com/blog/understanding-health-insurance-services-and-coverage-options-in-the-usa/): Introduction to Health Insurance in the USA Health insurance services play a critical role in the American healthcare landscape. In essence, health insurance is an agreement between an individual and an insurance provider that offers financial protection against unexpected medical expenses. This arrangement enables individuals to access healthcare services without incurring prohibitive costs, thereby promoting overall public health. At its core, health insurance functions by spreading the financial risk of medical costs across a pool of insured individuals. By paying a premium, insured members gain access to a range of healthcare services, which may include routine check-ups, emergency care, surgeries, and […]
- [Understanding Insurance Services: Coverage, Benefits, and Costs in the USA](https://www.insuracarelife.com/blog/understanding-insurance-services-coverage-benefits-and-costs-in-the-usa/): What are Insurance Services? Insurance services encompass a range of financial products designed to protect individuals and businesses against unforeseen events that may result in financial loss. In the United States, insurance services are categorized into several types, each serving a distinct purpose. Common types include health insurance, auto insurance, homeowner’s insurance, and life insurance, among others. These services are essentially agreements between the insured and the insurer that provide financial coverage in exchange for regular premium payments. The primary purpose of insurance services is to mitigate risk. By spreading the financial burden among many individuals or entities, insurance helps reduce […]
- [Does Homeowners Insurance Cover Flood Damage? A Complete Guide for U.S. Homeowners](https://www.insuracarelife.com/blog/does-homeowners-insurance-cover-flood-damage/): Understanding the difference between ordinary water damage and flood damage can help you choose the right insurance protection before a disaster happens. Does Homeowners Insurance Cover Flood Damage? In most cases, standard homeowners insurance does not cover flood damage. A typical homeowners policy may cover certain types of sudden and accidental water damage, such as damage caused by a burst pipe or an appliance malfunction. Flooding, however, is generally excluded from standard homeowners policies. Flood insurance is usually purchased separately through the National Flood Insurance Program (NFIP) or from private flood insurance providers. What Is Considered Flood Damage? Flood insurance generally […]
- [Choosing the Right Auto Insurance Company in the USA](https://www.insuracarelife.com/blog/choosing-the-right-auto-insurance-company-in-the-usa/): Understanding Your Auto Insurance Needs When it comes to selecting an auto insurance company in the United States, it’s crucial to begin with an understanding of your personal needs. Different drivers have different levels of risk, and what works for one individual may not be optimal for another. Factors such as your driving history, the type of vehicle you own, and your budget all play significant roles in determining what coverage is best for you. Researching Insurance Companies To find the best coverage at a competitive price, you should start by researching various insurance companies in the United States. Look for […]
- [Compare Home Insurance Quotes Side-by-Side: Find the Best Coverage and Rate](https://www.insuracarelife.com/blog/compare-home-insurance-quotes-side-by-side/): Comparing home insurance quotes side-by-side can make it much easier to understand what you are actually paying for. Two policies may have similar premiums but very different coverage limits, deductibles, exclusions, and additional protections. The cheapest quote is not always the best option. A better approach is to compare home insurance coverage and price together so you can choose a policy that fits your home, belongings, financial situation, and risk level. What Does It Mean to Compare Home Insurance Quotes Side-by-Side? Comparing home insurance quotes side-by-side means reviewing multiple insurance offers using the same key criteria. Instead of looking only at […]
- [General Liability Insurance: Complete Guide to Business Protection](https://www.insuracarelife.com/blog/general-liability-insurance-complete-guide-to-business-protection/): Running a business comes with opportunities as well as financial risks. A customer could be injured at your business location, your operations could accidentally damage someone else’s property, or your company could face a lawsuit over certain advertising or personal-injury allegations. Even a relatively small incident can create significant legal, medical, repair, or settlement expenses. General liability insurance is designed to help businesses manage many of these third-party risks. It can provide protection when covered claims arise from normal business operations, helping businesses handle expenses such as legal defense, covered bodily injury claims, property damage claims, and certain personal or advertising […]
- [Finding the Top Custom Motorcycle Insurance in Florida 2026](https://www.insuracarelife.com/blog/custom-motorcycle-insurance-in-florida/): Understanding Custom Motorcycle Insurance Custom motorcycle insurance is a specialized type of coverage that caters to motorcycle enthusiasts who have made modifications to their bikes. Unlike standard motorcycle insurance, which typically covers factory-made motorcycles, custom motorcycle insurance is tailored to protect the unique features and enhancements made to customized bikes. This type of insurance accounts for various modifications, such as aftermarket parts, custom paint jobs, and performance upgrades, ensuring that riders receive adequate protection for their investments. One key aspect of custom motorcycle insurance is its emphasis on coverage limits. Riders should be aware that the value of a customized motorcycle […]
- [The Differences: General Commercial Liability Insurance vs Business Building Insurance](https://www.insuracarelife.com/blog/general-commercial-liability-insurance-vs-business-building-insurance/): Introduction to Business Insurance Types In the realm of entrepreneurship, insights into various insurance options are crucial for securing a company’s longevity. Understanding the available types of business insurance is an integral part of risk management strategy that helps protect companies against potential financial losses. Among the most essential policies in this domain are general commercial liability insurance and business building insurance. General commercial liability insurance serves as a safety net, shielding businesses from lawsuits and claims related to bodily injuries, property damage, and advertising mistakes. It is essential for any business operation since it helps mitigate legal expenses, which can […]
- [Commercial Pickup Truck Insurance in Ohio: Coverage, Costs, Requirements, and Tips](https://www.insuracarelife.com/blog/commercial-pickup-truck-insurance/): What is Commercial Pickup Truck Insurance? Commercial pickup truck insurance is a specialized form of vehicle insurance specifically designed to protect businesses that use pickup trucks in their daily operations. Unlike personal vehicle insurance, which covers personal use of a vehicle, commercial pickup truck insurance extends coverage to the unique risks and liabilities associated with business activities. This insurance is crucial for organizations that rely on pickup trucks for transportation, delivery, or other business purposes, providing them with essential financial protection. The primary purpose of commercial pickup truck insurance is to safeguard the assets of a business against potential losses due […]
- [Top General Liability and Commercial Insurers in the United States 2026](https://www.insuracarelife.com/blog/top-general-liability-and-commercial-insurers/): Comprehensive Guide to the Best Business Insurance Providers Running a business involves many risks, from customer injuries and property damage to lawsuits, workplace accidents, and unexpected financial losses. General liability and commercial insurance help businesses protect their assets, employees, and reputation from potentially expensive claims. In the United States, thousands of insurance companies provide business coverage, but only a few have established themselves as trusted leaders through financial strength, broad coverage options, industry expertise, and reliable claims support. Major commercial insurers such as Travelers, Chubb, Liberty Mutual, The Hartford, AIG, and others serve businesses ranging from small startups to multinational corporations. […]
- [The Complete List of Auto Insurance Companies in 2026: Compare Your Options](https://www.insuracarelife.com/blog/list-of-auto-insurance-companies/): Finding the right auto insurance company can be challenging. Drivers have dozens of national, regional, and specialty insurers to choose from, and each company can offer different rates, coverage options, discounts, claims experiences, and customer-service features. In 2026, comparing several insurers before purchasing a policy remains one of the best ways to find coverage that fits both your vehicle and your budget. Current industry comparisons continue to identify companies such as State Farm, Progressive, GEICO, Allstate, USAA, Farmers, Liberty Mutual, Travelers, AAA, and American Family among the largest U.S. auto insurers. This complete guide explains the major auto insurance companies you […]
- [How to Find the Best Homeowners Insurance for Your Second Home](https://www.insuracarelife.com/blog/homeowners-insurance-for-your-second-home/): Owning a second home can be an excellent way to enjoy a vacation property, generate rental income, or build a long-term investment. However, protecting a second property requires more than simply purchasing another standard homeowners insurance policy. A second home may have different risks because it could remain unoccupied for extended periods, be located in a vacation destination, or be used as a rental property. Finding the best homeowners insurance for your second home starts with understanding how insurers evaluate secondary properties and identifying coverage that matches the way you actually use the home. Price is important, but the cheapest policy […]
- [Understanding Health Insurance During Long-Term Disability in Ohio](https://www.insuracarelife.com/blog/health-insurance-during-long-term-disability/): Introduction to Long-Term Disability Long-term disability (LTD) insurance serves as a vital financial safety net for individuals unable to work due to prolonged medical conditions. In Ohio, LTD refers to a situation where an individual is unable to carry out their job duties for an extended period—typically exceeding six months—due to a physical or mental impairment. The definition of long-term disability can vary, but generally, it is characterized by the inability to perform the essential functions of one’s occupation or any other occupation for which one is reasonably suited by training, education, or experience. Eligibility for long-term disability coverage often hinges […]
- [Exploring Common Discounts for ATV and Off-Road Vehicle Insurance](https://www.insuracarelife.com/blog/atv-and-off-road-vehicle-insurance/): Understanding ATV and Off-Road Vehicle Insurance ATV and off-road vehicle insurance serves as a crucial safeguard for individuals who own and operate these distinct types of vehicles. Given the nature of off-road activities, which often involve challenging terrains and unpredictable conditions, proper coverage is essential. Insurance for ATVs and similar vehicles typically covers a range of risks including liability for bodily injury and property damage to third parties, as well as damage to the rider’s own vehicle. The importance of ATV and off-road vehicle insurance cannot be overstated. These vehicles, while offering thrilling outdoor experiences, also expose riders to substantial risks. […]
- [Understanding Commercial Property Insurance and in the United States](https://www.insuracarelife.com/blog/commercial-property-insurance-in-the-united-states/): Introduction to Commercial Property Insurance Commercial property insurance is a crucial aspect of risk management for businesses within the United States. It serves to protect the physical assets of a company, including buildings, equipment, and inventory, from various risks, including fire, theft, and natural disasters. Understanding what commercial property insurance is and its significance can help business owners make informed decisions regarding their coverage needs. The importance of commercial property insurance cannot be understated. For many businesses, their physical assets are some of their most valuable resources. Losing these assets due to unforeseen events can have devastating financial implications. By securing […]
- [Travelers Auto Insurance California: Compare Coverage and Savings](https://www.insuracarelife.com/blog/travelers-auto-insurance-california-compare-coverage-and-savings/): Finding the right car insurance in California requires more than choosing the first affordable quote you see. Drivers need to consider state-required liability coverage, optional protections, deductibles, discounts, driving history, vehicle type, and the overall value offered by an insurer. Travelers is one company California drivers can consider when comparing auto insurance. Travelers offers several auto coverage options and discounts, although some discounts and features advertised nationally are not available in California. This guide explains Travelers auto insurance in California, the coverage options drivers may consider, factors that can affect premiums, available savings opportunities, and how to compare Travelers with other […]
- [Do You Need Motorcycle Insurance in Florida? Requirements Explained](https://www.insuracarelife.com/blog/do-you-need-motorcycle-insurance-in-florida/): Riding a motorcycle in Florida can be an exciting way to travel, enjoy the warm weather, and explore the state’s highways and scenic roads. However, before getting on the road, every rider should understand the rules surrounding motorcycle insurance in Florida. One of the most common questions asked by riders is: Do you need motorcycle insurance in Florida? The answer is more complicated than a simple yes or no. Florida has different insurance rules for motorcycles than for standard passenger vehicles. A rider may not be required to carry a traditional motorcycle insurance policy before registering and riding in every situation, […]
- [Finding Affordable Flood Insurance Providers in the United States 2026](https://www.insuracarelife.com/blog/finding-affordable-flood-insurance-providers-in-the-united-states/): Understanding Flood Insurance Flood insurance is a crucial policy designed to provide financial protection against floods, which can arise from various sources such as heavy rain, river overflow, or melting snow. By investing in flood insurance, homeowners and businesses can safeguard themselves from the significant financial burden that flooding can cause. Given the unpredictable nature of flooding, having a policy in place is essential for anyone living in flood-prone areas. The importance of securing flood insurance cannot be overstated. Standard homeowners insurance does not typically cover flood damage, making a separate policy necessary for adequate protection. This is especially vital in […]
- [Finding the Best Home Insurance Options](https://www.insuracarelife.com/blog/finding-the-best-home-insurance-options/): Understanding Home Insurance Home insurance is a type of coverage designed to protect homeowners and their belongings from potential financial losses due to unforeseen events. This insurance policy typically covers damages to the house itself as well as the possessions within it, providing a safety net against various disasters such as fires, theft, or natural calamities. Home insurance also includes liability protection, which can safeguard homeowners against legal claims from injuries or damages that occur on their property. There are several types of home insurance policies available, each offering different levels of coverage. The most common type is the HO-3 policy, […]
- [Choosing the Right Pet Insurance Providers in Ohio 2026](https://www.insuracarelife.com/blog/choosing-the-right-pet-insurance-providers-in-ohio/): Understanding Pet Insurance Pet insurance is a type of coverage designed to manage the financial burden associated with veterinary care. It offers pet owners peace of mind by providing financial protection against unexpected medical expenses for their furry companions. As pets have become an integral part of many households, the demand for reliable pet insurance has increased, giving rise to numerous options available in the market. There are several types of coverage provided by the best pet insurance companies. One common option is accident-only coverage, which typically covers medical emergencies resulting from accidents, such as fractures or ingestion of foreign objects. […]
- [Exploring the Best Whole Life Insurance Companies in New York 2026](https://www.insuracarelife.com/blog/exploring-the-best-whole-life-insurance-companies-in-new-york/): Understanding Whole Life Insurance Whole life insurance is a type of permanent life insurance that provides coverage throughout the insured individual’s lifetime, as long as the premiums are maintained. This form of insurance is characterized by a combination of death benefit protection and a cash value component, which distinguishes it from term life insurance that only pays out upon the death of the policyholder during the specified term. One of the key features of whole life insurance is its cash value accumulation. Unlike term insurance, which offers no cash value and is purely risk protection, whole life policies build cash value […]
- [Choosing the Best Flood Insurance Company in Florida 2026](https://www.insuracarelife.com/blog/choosing-the-best-flood-insurance-company-in-florida/): Understanding Flood Insurance Flood insurance is a specialized type of protection designed to cover damages caused by flooding events, which can be particularly devastating for homeowners, especially in flood-prone regions like Florida. Unlike standard homeowner’s insurance policies, which typically exclude flood damage, flood insurance specifically addresses the risks associated with flood events. This coverage is vital for those living in areas vulnerable to heavy rains, hurricanes, or rising waters from lakes and rivers. A comprehensive flood insurance policy usually covers the structure of the home and its contents, enabling homeowners to recover financially after such disasters. The majority of policies include […]
- [Essential Insights into Life Insurance Quotes Online 2026](https://www.insuracarelife.com/blog/essential-insights-into-life-insurance-quotes-online/): Understanding Life Insurance Life insurance is a critical financial product designed to provide financial security to individuals and families in the event of an untimely death. The primary purpose of life insurance is to replace lost income, cover funeral expenses, and settle debts, thereby ensuring that loved ones are not burdened with financial strain during a difficult time. By securing a life insurance policy, individuals can safeguard their family’s future and ensure that their financial obligations are met. There are various types of life insurance policies available, catering to the diverse needs of policyholders. The two main categories are term life […]
- [Comparing Home Insurance Companies: A Comprehensive Guide to Coverage, Costs, and Discounts](https://www.insuracarelife.com/blog/comparing-home-insurance-companies/): Understanding Home Insurance Home insurance, often referred to as homeowner’s insurance, is a vital form of coverage that protects individuals against various risks associated with owning a home. Home insurance provides financial security for homeowners, ensuring that they are not left vulnerable in the event of unforeseen circumstances. Understanding the features and benefits of home insurance companies is paramount for any homeowner looking to safeguard their investment. The significance of home insurance cannot be overstated. It offers protection against a myriad of risks, such as natural disasters including earthquakes, hurricanes, and floods. Additionally, home insurance policies cover theft, which can lead […]
- [Strategies for Finding Affordable Car Insurance in 2026](https://www.insuracarelife.com/blog/strategies-for-finding-affordable-car-insurance-in-2026/): Understanding Car Insurance Rates Car insurance rates are influenced by a myriad of factors, which can vary significantly from one individual to another. To effectively compare car insurance rates in 2026, it is essential to understand these determinants and how they interact to shape the final premium amounts. One of the primary factors affecting car insurance rates is the type of coverage selected by the policyholder. Full coverage insurance, which typically includes comprehensive and collision coverage, will generally result in higher premiums than liability-only policies. Drivers should evaluate their needs carefully to find a balance between adequate protection and affordability. Geographic […]
- [Best Insurance Professionals Under 40 in California | InsuranceFest NextGen California 2026](https://www.insuracarelife.com/blog/best-insurance-professionals-under-40-in-california-insurancefest-nextgen-california-2026/): Jump to winners | Jump to methodology Meet California’s best insurance professionals under 40 1 Insurance Business America’s inaugural InsuranceFest NextGen California 2026 list honors 100 of the best insurance professionals under 40 in California, more than one-quarter of whom specialize in cyber, wildfire, construction, or entertainment risk 2 California’s insurance brokers navigate some of the industry’s most complex risks, including wildfire, cyber, and entertainment production exposure 3 Nearly 400,000 US insurance professionals are projected to retire by the end of 2026, according to Bureau of Labor Statistics data 4 The average honoree is 32 years old with 10 years of industry […]
- [What's driving the Employment Practices Liability (EPL) market?](https://www.insuracarelife.com/blog/whats-driving-the-employment-practices-liability-epl-market/): [00:00:00]  James Walsh  There’s a rise in the use of AI tools from pro se or unrepresented claimants to actually use those types of tools to draft and submit EPL claims and EPL disputes on their own without representation. Employers, they can use automated or AI-backed or influenced tools to screen potential candidates, to manage performance of existing employees, and help them make workforce decisions.    [00:00:28]  Paul Lucas  Hello everyone. Welcome to Insurance Business TV and an EPL special. In this edition, we’re going to zoom in on the EPL market, why it’s tightening, what brokers should look for, and how the […]
- [Top 100 Renters Insurance Companies to Compare in California for 2026-27](https://www.insuracarelife.com/blog/top-100-renters-insurance-companies-to-compare-in-california/): If you’re looking for the Top 100 Renters Insurance Companies to Compare in California for 2026–27, comparing multiple providers is one of the best ways to find suitable coverage at a competitive price. Renters insurance can help protect personal belongings while also providing liability, loss-of-use, and medical-payments coverage, depending on the policy. California’s Department of Insurance recommends comparing prices, coverage limits, deductibles, policy conditions, and available discounts rather than choosing a policy based only on price. Because premiums can vary based on factors such as location, building characteristics, deductible, discounts, and coverage amount, the best insurer for one California renter may […]
- [Comparing Allstate Car Insurance and Insuracare Life in New York](https://www.insuracarelife.com/blog/allstate-car-insurance-and-insuracarelife/): Introduction to Car Insurance Options in New York New York State offers a diverse array of car insurance options, which are crucial for car owners to understand in order to make informed decisions. One of the most significant aspects of owning a vehicle in New York is the requirement for all drivers to have insurance coverage, which can protect them from financial liability in case of accidents or damages. Among the range of providers available, Allstate car insurance and Insuracare Life are two notable contenders that differ substantially in their coverage offerings and policy structures. The importance of comprehensively understanding car […]
- [InsuraCareLife vs. GEICO Car Insurance USA: Coverage, Rates, and Benefits Compared](https://www.insuracarelife.com/blog/insuracarelife-vs-geico-car-insurance/): Choosing the right car insurance in the United States can be challenging. Drivers have dozens of insurers, coverage options, deductibles, discounts, and pricing factors to consider. Two names that may come up during an insurance comparison are InsuraCareLife and GEICO. This guide explains how to compare InsuraCareLife and GEICO car insurance based on the factors that matter most to American drivers, including coverage, rates, discounts, benefits, customer service, claims, flexibility, and overall value. One important point should be made at the beginning: car insurance coverage and pricing vary by state, driver, vehicle, insurer, underwriting company, and policy terms. GEICO publicly provides […]
- [How to thrive in the MPL space](https://www.insuracarelife.com/blog/how-to-thrive-in-the-mpl-space/): [00:00:00]  Dan Mogelnicki:  In the last few months, we’ve actually created two new policy coverages that really didn’t exist before.    [00:00:06]  Maria Treglia:  You’re not going to have the backstop of a claims team to be there for your clients.    [00:00:11]  Maria Treglia:  Then you know what, it’s only really a piece of paper that you’re writing on.    [00:00:14]  Soraya Penix:  I used to kind of automatically view those as positive developments, but I’ve come to learn that that can actually introduce inconsistencies if growth outpaces governance.    [00:00:24]  Emma Andersen:  A clean loss run is just a data point, not a strategy for us.    [00:00:28]  Paul Lucas:  Hello, everyone. Welcome to Insurance Business […]
- [LPL Financial Announces Second Quarter 2026 Results](https://www.insuracarelife.com/blog/lpl-financial-announces-second-quarter-2026-results/): Key Financial Results Net income was $379 million, translating to diluted earnings per share (“EPS”) of $4.74, up 39% from a year ago Adjusted EPS* increased 29% year-over-year to $5.84 Gross profit* increased 24% year-over-year to $1,618 million Core G&A* increased 22% year-over-year to $519 million Adjusted pre-tax income* increased 30% year-over-year to $635 million Key Business Results Total client assets increased 34% year-over-year to $2.6 trillion Advisory assets increased 46% year-over-year to $1.5 trillion Advisory assets as a percentage of total client assets increased to 60.4%, up from 55.3% a year ago Total organic net new assets were $23 billion, […]
- [Driver death rates remain high for small cars, models with powerful engines](https://www.insuracarelife.com/blog/driver-death-rates-remain-high-for-small-cars-models-with-powerful-engines/): 
 
 
 
 More than half of recent vehicles with the highest driver death rates are small cars, sports cars or muscle cars. 
 By 
 July 30, 2026 
 
 
 
 

 
 More than half of the model 2023 vehicles with the highest driver death rates are small cars, sports cars or muscle cars, a new report from the Insurance Institute for Highway Safety shows. 
 “Even the safest small cars don’t fare well in crashes with large pickups and heavy SUVs,” IIHS President David Harkey said. 
 “Powerful engines and marketing that attracts aggressive drivers is […]
- [LPL Welcomes Sunny Day Financial](https://www.insuracarelife.com/blog/lpl-welcomes-sunny-day-financial/): SAN DIEGO, July 29, 2026 (GLOBE NEWSWIRE) — LPL Financial LLC announced today that financial advisor Dawn Parks, CFP®, CLU®, Enrolled Agent, of Sunny Day Financial has joined LPL Financial’s broker-dealer and Registered Investment Advisor (RIA) platforms. She reported serving approximately $150 million in advisory, brokerage and retirement plan assets* and joins LPL from Cetera Wealth Services. Based in the Dallas and Fort Worth, Texas area, Sunny Day Financial is a woman-owned practice led by Owner and Director of Wealth Management and Planning, Dawn Parks, who brings a distinctly personal approach to the firm and its clients. Supported by Investment Operations Manager, […]
- [Informative Research launches next iteration of its AccountChek for enhanced asset, income and employment verification](https://www.insuracarelife.com/blog/informative-research-launches-next-iteration-of-its-accountchek-for-enhanced-asset-income-and-employment-verification/): CALIFORNIA NEWSWIRE (GARDEN GROVE, Calif.) — Informative Research (IR), a leading technology provider of data-driven credit and verification solutions for the lending industry, today announced the launch of the next iteration of AccountChek®, its flagship verification solution. Rebuilt from the ground up and unified with the IR Verification Platform, AccountChek is designed to scale as lenders’ verification needs evolve and is expected to deliver faster performance, improved reliability and a smoother borrower experience. AccountChek introduces a modernized infrastructure intended to support greater efficiency and resiliency with streamlined administration across the board. The updated platform offers a more intuitive login experience with […]
- [Intact weathers a costly catastrophe quarter without losing its grip on returns](https://www.insuracarelife.com/blog/intact-weathers-a-costly-catastrophe-quarter-without-losing-its-grip-on-returns/): The UK&I segment was the clear pressure point. Its combined ratio of 112.0% deteriorated 19.1 points year on year, incorporating a 15-point impact from elevated catastrophe and large losses. Operating DPW fell 1%, as solid new business and retention were more than offset by the impacts of combining the RSA and Direct Line Group brokered commercial lines portfolios under one brand. UK&I operating DPW for the quarter was CA$1.332 billion. For context, Intact acquired RSA’s Canadian, UK and Irish operations in June 2021 in a joint transaction with Tryg, and subsequently absorbed Direct Line’s commercial brokered portfolio – these two legacy […]
- [Marin Shakespeare Company Hosts Stunning Reimagining of ‘Julius Caesar’ at the Forest Meadows Amphitheatre](https://www.insuracarelife.com/blog/marin-shakespeare-company-hosts-stunning-reimagining-of-julius-caesar-at-the-forest-meadows-amphitheatre/): CALIFORNIA NEWSWIRE (SAN RAFAEL, Calif.) — Marin Shakespeare Company presents “Julius Caesar,” re-imagined and directed by Artistic Director Jon Tracy, running August 14 through September 13, 2026, at the Forest Meadows Amphitheatre on the campus of Dominican University of California. This visually arresting examination of Shakespeare’s classic-staged with bold imagination under the summer sky-reimagines how epic storytelling can unfold in Forest Meadows. From the intimate tensions between confidants to the sweeping consequences for a nation, this unforgettable outdoor production delivers a vivid, visceral experience for the audience. Set in an imagined Rome shaped by the lingering tensions of conflicts past and […]
- [Tokio Marine HCC names Megann Pfeffer to lead public risk group](https://www.insuracarelife.com/blog/tokio-marine-hcc-names-megann-pfeffer-to-lead-public-risk-group/): California’s AB 218 works the same way, and it has already produced a real-world test case. Los Angeles County faced thousands of claims tied to foster care, juvenile detention, and education, a wave that pushed the county toward a multibillion-dollar settlement. The county funded that settlement through bond issuance rather than insurance payouts – a structure typically used when a public entity’s liability exceeds what its insurance or self-insured retention can absorb, or where coverage from the relevant policy years has since lapsed, been exhausted, or is being separately disputed. That financing choice is itself a signal of how large reviver-statute […]
- [Marsh's numbers show what a soft market looks like from the broker's side](https://www.insuracarelife.com/blog/marshs-numbers-show-what-a-soft-market-looks-like-from-the-brokers-side/): How Marsh compares to the rest of the sector Whether this pattern is Marsh-specific or sector-wide isn’t fully clear yet, since most of its peers haven’t reported Q2. Aon is due to release its Q2 2026 results on July 29 – after this piece was filed – so a direct comparison isn’t possible today. For context only, Aon’s first-quarter 2026 results, reported on May 1, showed revenue of approximately US$5 billion, up around 6% year over year, with adjusted EPS climbing 14% to roughly US$6.48 (these figures come from secondary reporting rather than Aon’s own release, so treat them as approximate). […]
- [DeSantis pitches Florida's insurance turnaround to Lloyd's](https://www.insuracarelife.com/blog/desantis-pitches-floridas-insurance-turnaround-to-lloyds/): The London leg of a wider mission The insurance meetings were one part of a longer Florida trade mission to the UK, which also included the fifth UK-Florida MOU Working Group Meeting covering aerospace, aviation, life sciences and emerging technology, alongside separate engagements tied to the Farnborough International Airshow. For the insurance and reinsurance sector specifically, the message from the Florida delegation was straightforward: a market that international capital pulled back from a few years ago is now, in the state’s telling, one worth re-engaging with – and Lloyd’s, as one of the world’s oldest and largest specialist insurance markets, remains […]
- [Cincinnati Insurance points to one exclusion to avoid $13 million fall claim](https://www.insuracarelife.com/blog/cincinnati-insurance-points-to-one-exclusion-to-avoid-13-million-fall-claim/): The dispute turns on one clause. Cincinnati relies on an endorsement it calls the “Insurance and Related Operations” exclusion, which it says removes coverage for bodily injury “for which the insured may be held liable” that results from “the rendering of or failure to render” certain professional services. As quoted in the policy, those services include “advising, inspecting, reporting or making recommendations in the insured’s capacity as an insurance company, consultant, broker, agent or representative thereof,” and “performing any claim, investigative, adjustment, engineering, inspection, consulting, survey, audit, appraisal, actuarial or data processing service for a fee.” 
- [Insurance moves: Guidewire, CRC, NAMIC, Lorikeet and AXA XL](https://www.insuracarelife.com/blog/insurance-moves-guidewire-crc-namic-lorikeet-and-axa-xl/): CRC Benefits hires Alexis Krieg as benefits sales executive CRC Benefits, a division of CRC Group, has added Alexis Krieg (pictured, left) as a benefits sales executive. Based in Columbus, Ohio, Krieg will support broker partners on ancillary benefits products including dental, vision, life, disability and worksite coverage. She brings six years of insurance industry experience, including a background in ancillary benefits sales and carrier-side relationship management, and was recognized in 2024 as one of the top sales executives in her market, qualifying for a national President’s Club program.
- [MAPFRE to acquire Safety Insurance for $1.54 billion amid shareholder probe](https://www.insuracarelife.com/blog/mapfre-to-acquire-safety-insurance-for-1-54-billion-amid-shareholder-probe/): Stronger first-half results underpin the deal The acquisition was announced alongside MAPFRE’s first-half 2026 results, which the insurer said gave it the confidence to pursue the deal. MAPFRE reported net profit of €624 million for the six months ended June 30, up 9.4% from a year earlier, while premiums exceeded €16.1 billion. The group’s non-life combined ratio improved to 92.8% from 93.1%, supported by disciplined underwriting, lower catastrophe losses and stronger investment returns. Return on equity reached 12.5%, while shareholders’ equity rose to nearly €9.6 billion.
- [Selective pulls back on premiums as casualty pressure builds](https://www.insuracarelife.com/blog/selective-pulls-back-on-premiums-as-casualty-pressure-builds/): 100th year in business The company also marked its 100th year in business and its 50th year as a publicly traded company during the quarter. Marchioni tied that milestone directly to the underwriting discipline the quarter’s results reflect: “During the second quarter, we celebrated our 100th year in business and 50th year as a publicly traded company — milestones made possible by the talented employees, high-quality distribution partners, customers, and investors who have fueled our success. Having successfully navigated a century of market cycles, we remain confident in our ability to adapt, execute, and create long-term value,” Marchioni said. “The actions […]
- [Most P&C insurers remain stuck in the AI pilot stage - report](https://www.insuracarelife.com/blog/most-pc-insurers-remain-stuck-in-the-ai-pilot-stage-report/): The NAIC is also testing an AI Systems Evaluation Tool in 12 states. The pilot began in March 2026 and is being used through formal examinations, surveys, data calls or a combination of these methods. The tool is designed to help regulators assess how insurers govern their AI systems and whether their controls are strong enough to manage the risks. Areas under review include board and senior management oversight, data accuracy, inventories of AI systems, bias monitoring, vendor management and the role of human reviewers. A revised version of the tool is expected to be considered at the NAIC’s 2026 Fall […]
- [Casualty is the one line bucking the soft market – but only in one country](https://www.insuracarelife.com/blog/casualty-is-the-one-line-bucking-the-soft-market-but-only-in-one-country/): Marsh’s Q2 2026 Global Insurance Market Index put global casualty rates up 2% for the quarter, the only major product line moving in that direction while property, financial and professional lines, and cyber all kept falling. Zoom out from the US, though, and the picture flips completely: Marsh’s numbers show casualty rates actually fell in every region outside the US this quarter. It’s American litigation pressure, on its own, dragging the global figure into positive territory – US casualty rates rose 7% in Q2, only a touch softer than the 9% rise in Q1, and still the standout number in the […]
- [Explore California Specialty Cheeses with newly launched 'Discover! California Cheese Shops' Guide](https://www.insuracarelife.com/blog/explore-california-specialty-cheeses-with-newly-launched-discover-california-cheese-shops-guide/): CALIFORNIA NEWSWIRE (TRACY, Calif.) — Real California Milk and the Cheese Trail today announced the launch of the Discover! California Cheese Shops Guide, a new consumer resource designed to celebrate and support independent cheese shops across California while encouraging consumers to discover the exceptional variety and quality of California-made cheeses. The statewide guide features independent cheese shops that showcase California cheeses, providing consumers with an easy way to explore local destinations, meet knowledgeable cheesemongers and discover the state’s award-winning artisan and farmstead cheeses. Developed through a partnership between Real California Milk and the Cheese Trail, the guide expands opportunities for consumers […]
- [Travelers sues rival insurer over strings-attached coverage acceptance](https://www.insuracarelife.com/blog/travelers-sues-rival-insurer-over-strings-attached-coverage-acceptance/): The sticking point is what happened after the claim came in. Travelers says it tendered the defense to MESA on August 12, 2025, and MESA responded on September 15, 2025 in what appeared to be an acceptance. Travelers argues it was not a full one. The complaint quotes MESA’s letter as reserving “all (and waives none) of its rights under the Policy and applicable law, including the right to later raise other terms, conditions, and exclusions in the Policy as appropriate,” and stating that all rights are “hereby expressly reserved.” (The quoted letter refers to the insurer by its own initials, “MUSIC.”) 
- [Waymo’s driverless cars crash less often than people](https://www.insuracarelife.com/blog/waymos-driverless-cars-crash-less-often-than-people/): 
 
 
 
 Waymo’s driverless vehicles have crash rates that are 68% lower than human drivers, new IIHS research shows. But as the technology is deployed more widely, a better system for tracking safety is needed. 
 By 
 July 23, 2026 
 
 
 
 

 
 Waymo’s driverless cars are involved in fewer crashes than human drivers, but the federal system for monitoring automated vehicles needs improvement, a new study from the Insurance Institute for Highway Safety shows. 
 Per vehicle mile traveled (VMT), Waymo’s driverless vehicles deployed in San Francisco, Phoenix, Los Angeles and Austin were involved in […]
- [BOXX Insurance adds affirmative AI and deepfake coverage to Cyberboxx Business policy](https://www.insuracarelife.com/blog/boxx-insurance-adds-affirmative-ai-and-deepfake-coverage-to-cyberboxx-business-policy/): BOXX said the new AI and deepfake coverage works alongside its existing First Party Each and Every Loss feature, which reinstates the policy’s aggregate limit of liability after each cyber incident, keeping coverage available for the remainder of the policy term. “Our underwriting is keeping up with the higher frequency and the changing nature of emerging cyber and AI-driven threats,” Tifft said. “As a result, we’re continuously enhancing our cyber insurance products with broadened, affirmative coverages to capture emerging cyber threats and new forms of cybercrime, whether they occur via systems breaches or through advanced social engineering.”
- [Thump Records Expands to Comic Book Publishing with Debut of ‘East Side Story’ #1 at San Diego Comic-Con](https://www.insuracarelife.com/blog/thump-records-expands-to-comic-book-publishing-with-debut-of-east-side-story-1-at-san-diego-comic-con/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — One of this year’s most unexpected Comic-Con announcements comes as Thump Records – long recognized for its contributions to the music industry – officially enters the world of comic book publishing with the debut of “East Side Story” #1, premiering exclusively at Booth #1735 during San Diego Comic-Con 2026. Inspired by the iconic Chicano-influenced East Side Story music compilations of Thump Records, the company’s inaugural comic book is the first chapter of an original multimedia property, introducing readers to a compelling cast of characters and the dramatic events that set the story in motion. Set […]
- [Lloyd's finds former CEO John Neal breached compliance rules](https://www.insuracarelife.com/blog/lloyds-finds-former-ceo-john-neal-breached-compliance-rules/): Governance reforms The Lloyd’s Remuneration Committee has since written to Neal to inform him that, had he retained any unvested variable remuneration, his conduct would have warranted the cancellation of a portion of those awards; Neal forfeited his unvested compensation on resigning. Roxburgh, who commissioned a review of Lloyd’s governance arrangements shortly after taking up his role, said the corporation has since adopted heightened Council oversight, revised committee structures, changes to senior appointment procedures, enhanced disclosure requirements and a duty of candour imposed on the chief executive. Lloyd’s is now updating its Code of Conduct, including guidelines on the use of […]
- [Agency acquisitions hit seven-year low as M&A market keeps contracting](https://www.insuracarelife.com/blog/agency-acquisitions-hit-seven-year-low-as-ma-market-keeps-contracting/): Steve Germundson, a partner at OPTIS, frames it as a structural handoff rather than a market simply cooling off: the biggest, most active buyers of the last several years have sharply cut back, he said, while smaller and emerging PE firms, plus owners eyeing a near-term recapitalization, have picked up the pace instead. The likely drivers, according to MarshBerry’s own 2026 M&A analysis, are higher financing costs, integration fatigue after years of aggressive buying, and an industry-wide pivot toward organic growth and operational quality over sheer deal count. For a newer PE platform or a strategic buyer with fresh capital, that combination […]
- [Allstate and U.S. Men’s National Team midfielder Tyler Adams unveil mini-pitch in Atlanta to expand youth access to soccer](https://www.insuracarelife.com/blog/allstate-and-u-s-mens-national-team-midfielder-tyler-adams-unveil-mini-pitch-in-atlanta-to-expand-youth-access-to-soccer/): Key takeaways: Allstate, in partnership with the U.S. Soccer Foundation and U.S. Men’s National Team midfielder Tyler Adams, unveiled a new mini-pitch at Sandtown Park in South Fulton, Georgia. The mini-pitch creates a permanent, accessible space for local youth and families to play, build skills and connect through soccer. The Atlanta-area installation is the third activation in Allstate and Adams’ effort to bring mini-pitches to communities across the country. The investment is part of Allstate’s broader commitment to youth empowerment and helping young people lead on and off the pitch. ATLANTA, July 22, 2026 – Allstate, alongside the U.S. Soccer Foundation […]
- [Informative Research names Ajay Trilokeshwaran as new CTO](https://www.insuracarelife.com/blog/informative-research-names-ajay-trilokeshwaran-as-new-cto/): CALIFORNIA NEWSWIRE (GARDEN GROVE, Calif.) — Informative Research (IR), a leading technology provider of data-driven credit and verification solutions for the lending industry, today announced the promotion of Ajay Trilokeshwaran to chief technology officer (CTO). In his new role, Trilokeshwaran will lead the company’s product and technology execution, overseeing platform development, application engineering, infrastructure and cloud strategy to support business growth. Trilokeshwaran brings more than 20 years of enterprise technology experience to the role, with deep expertise in platform modernization, large-scale system integrations and DevOps strategy. Since joining Informative Research, he has been the driving force behind the company’s core verification […]
- [New Jersey high court lets Allstate pursue fraud claims in court](https://www.insuracarelife.com/blog/new-jersey-high-court-lets-allstate-pursue-fraud-claims-in-court/): The Appellate Division reversed, and the Supreme Court agreed. The problem was a mismatch of powers. New Jersey’s Insurance Fraud Prevention Act “allows for the recovery of compensatory damages, investigative expenses, costs, attorneys’ fees, and, where a pattern of fraud is established, treble damages.” The state’s anti-racketeering law lets private parties sue in court for damages and injunctions. PIP arbitrators can do far less. They cannot grant equitable relief, and the court flagged “serious questions” about whether they could even award such damages or fees to an insurer. 
- [Global insurers post strong 2025 results, but Bain warns momentum is cyclical](https://www.insuracarelife.com/blog/global-insurers-post-strong-2025-results-but-bain-warns-momentum-is-cyclical/): In Asia-Pacific, Allianz Research’s Global Insurance Report 2026 recorded P&C premium growth of just 4.0% in 2025, below the region’s ten-year average, as Fitch flagged narrowing underwriting margins from rising loss ratios in motor and health lines in markets including Korea, Indonesia and Australia. North America’s own P&C growth slowed sharply too, decelerating from 9.7% to 2.2% even as underwriting profit improved, according to the same Allianz data, underscoring that stronger margins and slower growth are often two sides of the same cyclical coin rather than a sign of structural strength.
- [Mag Instrument Joins Forces with Pedestrian Safety Institute to Save Kids from Being Killed by Cars in 2026, launches Safer Road Initiative](https://www.insuracarelife.com/blog/mag-instrument-joins-forces-with-pedestrian-safety-institute-to-save-kids-from-being-killed-by-cars-in-2026-launches-safer-road-initiative/): CALIFORNIA NEWSWIRE (ONTARIO, Calif.) — Last year, more than 7,000 pedestrians were killed when struck by cars (some 700 of those were children) and tens of thousands more were injured. MAGLITE® flashlights have been featured in kids’ entertainment over the years, most notably in the Nancy Drew books and, more recently, in the “Dora the Explorer” live-action film. The brand’s longstanding annual commitment to roadside traffic safety awareness led to the creation of the Safe Road Adventures K-5 Curriculum through Pedestrian Safety Institute (PSI), a roadside safety initiative that MAGLITE® partnered with several years ago to combat roadside fatalities. Upon the […]
- [Homeowner sues American Security over storm claim priced below deductible](https://www.insuracarelife.com/blog/homeowner-sues-american-security-over-storm-claim-priced-below-deductible/): The reasons then shifted, the complaint alleges. A July 23, 2024 denial said: “Our inspection revealed no storm related damages to your roof or fence. Both displayed significant wear and tear, which is excluded. The interior water damage would also not be covered due to your roof failing as a result of wear and tear.” After the homeowner, acting on his own, sent contractor evidence and a certified-mail demand for about $417,273, a March 14, 2025 letter offered a broader reason: “Following a second review of the claim, it was determined the damages to the home are caused by rot, deterioration and prolonged […]
- [Volume growth from existing staff ranks as lenders’ top priority for second half of 2026, according to The Mortgage Collaborative survey](https://www.insuracarelife.com/blog/volume-growth-from-existing-staff-ranks-as-lenders-top-priority-for-second-half-of-2026-according-to-the-mortgage-collaborative-survey/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — The Mortgage Collaborative (TMC), the nation’s largest independent cooperative network for mortgage lenders, today released results from its June 2026 Pulse of the Network survey. The biannual survey gathered input from mortgage lenders, including independent mortgage banks, credit unions and depository institutions, on strategic priorities heading into the second half of 2026. According to the survey results, lenders are focused on growth heading into the second half of 2026 and intend to rely mostly on existing staff to achieve that goal. Three-quarters of respondents said their primary growth strategy is to increase production from their […]
- [Allstate, AFCA announce 2026 Good Works Team nominees recognized for leadership in community service](https://www.insuracarelife.com/blog/allstate-afca-announce-2026-good-works-team-nominees-recognized-for-leadership-in-community-service/): Key Takeaways: Allstate and AFCA named 162 student-athletes as nominees for the 2026 Good Works Team, recognizing college football players who lead through community service, academics and athletics. This year’s nominees are creating positive impact in their communities through causes ranging from maternal health and youth mentorship to supporting children with disabilities and veterans. For the first time in the program’s 35-year history, a female student-athlete is among the Allstate AFCA Good Works Team nominees. The Allstate AFCA Good Works Team reflects Allstate’s longstanding commitment to supporting student-athletes who strengthen their communities through service. NORTHBROOK, Ill., July 20, 2026 – Allstate […]
- [Cuban-Andreessen AI spat puts health insurers' use of AI in the spotlight](https://www.insuracarelife.com/blog/cuban-andreessen-ai-spat-puts-health-insurers-use-of-ai-in-the-spotlight/): The compliance window For health insurers, MGAs and brokers, the Cuban-Andreessen exchange is less a tech story than a reminder that AI governance compliance is a live operational requirement. With nearly a third of health insurers still not regularly bias-testing their models, an NAIC-federal standoff over who regulates AI in insurance, and litigation already underway against the sector’s largest carriers, insurers deploying AI in utilization review have a narrowing window to document governance processes before the NAIC’s evaluation tool reaches full national rollout.
- [Travelers reports Q2 net income of $2.21 billion as underwriting and investment results improve](https://www.insuracarelife.com/blog/travelers-reports-q2-net-income-of-2-21-billion-as-underwriting-and-investment-results-improve/): Core income rose to $2.160 billion, or $10.04 per diluted share, from $1.504 billion, or $6.51 per diluted share. The combined ratio improved to 83.6% from 90.3%, with the underlying combined ratio edging down to 84.1% from 84.7%. Return on equity climbed to 27.1% from 20.9% and core return on equity to 24.9% from 18.8%. Net investment income increased 14% to $1.070 billion pre-tax, driven by higher yields and growth in average invested assets across the fixed income portfolio. Net written premiums were roughly flat at $11.529 billion, though the comparison reflects Travelers’ divestiture of its Canadian operations in Q1 2026 […]
- [DUAL targets £500m GWP as transactional risk practice goes global](https://www.insuracarelife.com/blog/dual-targets-500m-gwp-as-transactional-risk-practice-goes-global/): The unified practice brings together more than 80 underwriters across 11 jurisdictions in the Americas, UK, Europe and ANZ under one operating model, backed long-term by Liberty Specialty Markets as lead capacity provider through a global binder. The practice spans warranty and indemnity, representations and warranties, tax, contingent risk, title and climate risk and resilience lines, with shared technology, analytics and governance frameworks alongside dedicated regional claims teams and local underwriting authority. DUAL has set a target of £500 million in gross written premium from the practice by 2030.
- [Travelers sues to recover defense costs it says it never owed](https://www.insuracarelife.com/blog/travelers-sues-to-recover-defense-costs-it-says-it-never-owed/): Travelers also says others should have carried this. It calls Zurich, Skanska’s direct primary carrier, the party that owed the defense first, pointing to an Other Insurance clause making Travelers’ coverage “excess over any other primary insurance available to Skanska as a named insured.” And it accuses Starr, which insured subcontractor Select Electric, of a wrongful denial – saying that after “years of non-response,” Starr rejected the tender on the view there was “no evidence” Select Electric touched the ditch, while ignoring the subcontractor’s own discovery responses, an incident report, and a “$450,000 settlement” with the injured worker. Starr’s policy, Travelers notes, reaches […]
- [The $23 billion inflection point: How America’s fire insurance market rewrote the rules](https://www.insuracarelife.com/blog/the-23-billion-inflection-point-how-americas-fire-insurance-market-rewrote-the-rules/): 
 REFERENCES AND SOURCES 
 [1] NAIC Exhibit of Premiums and Losses (Statutory Page 14), LINE_NO 1 (Fire), 2019–2024, all 50 US states. Direct premiums written, direct premiums earned, direct losses incurred, commission and brokerage expenses.
 [2] Headwaters Economics, ‘Cascading wildfire insurance issues impact local and state budgets’, August 2025. headwaterseconomics.org
 [3] Amwins, ‘Wildfire Insurance: Market Outlook, Claims Trends and Innovative Technology’, October 2024. amwins.com
 [4] NAIC CIPR, ‘Trial by Fire: Reimagining Wildfire Insurance in California’, Journal of Insurance Regulation, 2025. content.naic.org
 [5] Insurance Information Institute (Triple-I), ‘Commercial Property Insurance Shows Signs of Improvement’, December 2024. Citing Marsh McLennan Q4 2023. […]
- [Amwins launches Self-Storage Facilities insurance program](https://www.insuracarelife.com/blog/amwins-launches-self-storage-facilities-insurance-program/): The Amwins program covers property, general liability, excess liability, crime, equipment breakdown, non-owned and hired auto, and inland marine, alongside customers’ goods legal liability and sale and disposal legal liability each up to $1 million, mobile equipment coverage, a property enhancement endorsement, and resident manager liability available on request. It is backed by an A.M. Best A-rated carrier and available on both admitted and non-admitted bases, with admitted coverage in 19 states and non-admitted availability in Florida, Georgia and New York. Retail agents and brokers can submit business with a completed industry-standard application, a supplemental application, a tenant lease agreement and […]
- [SiriusPoint appoints Emily Yoo as chief operating officer](https://www.insuracarelife.com/blog/siriuspoint-appoints-emily-yoo-as-chief-operating-officer/): The COO creation follows a period of measurable financial improvement. SiriusPoint reported Q1 2026 net income of $100 million, a core combined ratio of 88.9% – its lowest in six quarters – and an operating ROE of 15.3%, at the top end of its 12-15% across-the-cycle target. S&P, AM Best and Fitch all upgraded the company’s financial strength ratings to A within the past three months. Insurance and Services GWP grew 8%, driven by accident and health, general liability and surety, while the company pulled back 10% in reinsurance amid softer conditions in property catastrophe and London specialty. CEO Scott Egan […]
- [The Hanover names Dick Lavey CEO-elect](https://www.insuracarelife.com/blog/the-hanover-names-dick-lavey-ceo-elect/): The Hanover Insurance Group has named Richard “Dick” W. Lavey (pictured, right) as CEO-elect, succeeding president and CEO John “Jack” C. Roche (pictured, left), who plans to retire on December 31, 2026. The timing carries specific market significance. Independent agents placed 62% of all US property and casualty insurance written in 2025, up from 61.5% in 2024 per the Big I 2026 Market Share Report – a record share for the channel The Hanover has built its business around. Simultaneously, commercial premiums fell for the first time in nearly nine years in Q1 2026 per the Council of Insurance Agents and […]
- [World Cup final puts $1 billion event insurance market in focus](https://www.insuracarelife.com/blog/world-cup-final-puts-1-billion-event-insurance-market-in-focus/): Parametric adoption and its trade-off Event organizers are increasingly turning to parametric insurance as a complement to traditional cancellation structures. In January 2026, Bad Bunny concert organizers in Medellín, Colombia secured a parametric weather policy ahead of a credible severe rainfall threat, with a weather station inside the venue set to trigger automatic payouts if rainfall exceeded predetermined thresholds – 145,500 tickets sold and $23.7 million in ticket revenue at stake, per Bloomberg. Unlike conventional cancellation insurance, parametric policies pay on an objective trigger rather than a verified loss, removing loss adjustment disputes and speeding up liquidity.
- [New brokerage platform bets AI can close the mid-market growth gap](https://www.insuracarelife.com/blog/new-brokerage-platform-bets-ai-can-close-the-mid-market-growth-gap/): American Growth Insurance has launched an AI-enabled specialty brokerage platform with nearly $70 million in committed equity funding, targeting commercial and personal lines clients through an acquisition-led model that its backers say is built differently from the PE-backed consolidators that dominate the existing buyer pool. Atlanta-based AGI is backed by Rockbridge Growth Equity and Atomic, a venture capital studio, with CEO Brian Morgan – previously chief revenue officer at Keystone Agency Partners and a veteran of Marsh, Willis, Integro and The Plexus Groupe – leading the platform.
- [Young luxury collectors treat collecting as investment but most remain uninsured: Chubb study](https://www.insuracarelife.com/blog/young-luxury-collectors-treat-collecting-as-investment-but-most-remain-uninsured-chubb-study/): The report, “The New Era of Luxury Collecting and Investment,” surveyed 1,000 affluent Americans in their early 20s to mid-40s with annual incomes between $250,000 and more than $1 million who actively collect watches, jewelry, art, antiques, wine and sports memorabilia. Among the 78% who consider an item’s future value a top purchasing factor, 38% have simply not gotten around to buying a policy and 34% underestimate their risk of loss. Theft and accidental damage rank among the top three concerns for 45% and 42% of collectors respectively – a risk awareness that does not translate into coverage action.
- [San Diego's FIT4MOM Celebrates 25 Years, Launches New Fitness Programs for Every Stage of Motherhood](https://www.insuracarelife.com/blog/san-diegos-fit4mom-celebrates-25-years-launches-new-fitness-programs-for-every-stage-of-motherhood/): CALIFORNIA NEWSWIRE (SAN DIEGO, CALIF.) — FIT4MOM, the nation’s leading fitness and wellness community for moms, is celebrating its 25 year anniversary by expanding its programming to better support women through every stage of motherhood-from postpartum recovery to midlife wellness. The milestone marks the beginning of a journey that started with one new mom looking for connection. After becoming a mom 25 years ago, FIT4MOM Founder and CEO Lisa Druxman was looking for a way to get out of the house, move her body and meet other moms. When she couldn’t find a workout catered to new moms, she created her […]
- [2026 RPS US property market outlook: Navigating the E&S buyer's market](https://www.insuracarelife.com/blog/2026-rps-us-property-market-outlook-navigating-the-es-buyers-market/): The US Excess and Surplus (E&S) property market has entered one of its most buyer-favorable cycles in years. With premiums for the E&S market reaching approximately $100 billion in 2024 and representing close to 9% of the US Property and Casualty (P&C) market, the combination of surplus capital, heightened competition among insurers and managing general agents (MGAs), and strong underwriting performance is giving buyers unprecedented leverage. For brokers, that means expanded room to negotiate on pricing, structure, and coverage terms — but only if they know where to look and how to act. The 2026 RPS US Property Market Outlook cuts through the noise of […]
- [Anima Presents, ‘Any Other Way,’ an Immersive Arts and Music Concert Experience by Dolce Wang in L.A.](https://www.insuracarelife.com/blog/anima-presents-any-other-way-an-immersive-arts-and-music-concert-experience-by-dolce-wang-in-l-a/): CALIFORNIA NEWSWIRE (LOS ANGELES, Calif.) — Anima Initiative, a nonprofit dedicated to breaking down barriers for independent and underrepresented artists, today announced a two-night immersive concert experience presented with Los Angeles-based musician Dolce Wang. “Any Other Way” debuts July 25-26, 2026, at Venia Studio in Downtown Los Angeles, and is co-produced with Bravewyld, a Los Angeles-based collective of multidisciplinary creative volunteers. “Any Other Way,” Wang’s most personal record to date, is an emotionally rich collection of shoegaze, indie folk and electronic dream pop that embraces vulnerability as a source of strength. Written across years of international travel and shaped by conversations […]
- [The Best Insurance Professionals Under 40 in the USA | Rising Stars](https://www.insuracarelife.com/blog/the-best-insurance-professionals-under-40-in-the-usa-rising-stars/): The numbers behind the talent shift are striking. Mindy Pranculeviciute, a senior recruiter at Talentfoot in the financial services sector, frames the current moment in terms that stop most young professionals in their tracks. “This is the greatest career arbitrage opportunity I’ve seen in professional services. A VP seat in this industry used to take 12–15 years; I’m now placing professionals into those roles at year 7 and 8 – not because the bar dropped, but because the market has fundamentally repriced young talent that’s ready”
 Mindy PranculeviciuteTalentfoot   The caveat is as important as the opportunity. “Scarcity gets you the […]
- [NAMIC urges Congress to pass FEMA reform bill amid mounting disaster backlog](https://www.insuracarelife.com/blog/namic-urges-congress-to-pass-fema-reform-bill-amid-mounting-disaster-backlog/): Bill has bipartisan support but awaits a floor vote The House Transportation and Infrastructure Committee approved the FEMA Act in September 2025 by a 57-3 vote, and the bill has since drawn 87 bipartisan co-sponsors, according to the Congressional Research Service. It has not yet received a floor vote, and companion legislation has not been introduced in the Senate. The legislation would restructure FEMA as an independent, Cabinet-level agency outside the Department of Homeland Security, diverging from the FEMA Review Council’s own recommendations, which favored keeping the agency within DHS in a reformed capacity.
- [EHD's CEO says technology should serve relationships, not replace them](https://www.insuracarelife.com/blog/ehds-ceo-says-technology-should-serve-relationships-not-replace-them/): Why municipal clients are finally investing in cyber tools EHD’s public sector client base, which includes municipalities across the Commonwealth of Pennsylvania, has historically been slow to invest in tools that protect personal and health information, according to Malinowski. He said cyber risk has been the turning point, with more governments now willing to fund training and reporting technology after seeing peers get hacked. “It’s not a matter of if, it’s when,” he tells clients, a message that aligns with broader coverage of cyber risk trends affecting public sector organizations.
- [Pet Friendly Paw Life Pomeranian Finley wins title of Best in California in Pet Lovers Choice Awards, now competing for Best in Nation](https://www.insuracarelife.com/blog/pet-friendly-paw-life-pomeranian-finley-wins-title-of-best-in-california-in-pet-lovers-choice-awards-now-competing-for-best-in-nation/): CALIFORNIA NEWSWIRE (SAN DIEGO, Calif.) — Pet Friendly Paw Life Pomeranian Finley has won the title of Best in California in the Pet Lovers Choice Awards and is now competing for Best in Nation. Vote for California dog Finley to win the national title, the voting round lasts from July 14th through July 22nd. The event benefits rescue Best Friends Animal Society with official media partner USA Today Pets. Small but mighty 6 lb. tri-color Pomeranian Finley is a paw ambassador for Pet Friendly Paw Life, where he helps his paw family discover and feature dog friendly destinations across southern California […]
- [Insurance's own worst enemy: the professionals getting paid to train their replacements](https://www.insuracarelife.com/blog/insurances-own-worst-enemy-the-professionals-getting-paid-to-train-their-replacements/): Mercor, one of Silicon Valley’s fastest-growing AI training-data startups, is currently advertising for an “Insurance Expert” role. The posting is unambiguous about the goal: the company is partnering with AI labs to bring in experienced underwriters, actuaries, claims specialists, and agents to sharpen how AI systems handle risk assessment, policy evaluation, and claims processing. Contributors are asked to construct realistic scenarios out of real insurance workflows – underwriting submissions, claims investigations, coverage disputes, rate filings, regulatory exams – and then judge how well a model performs against them. In effect: bring your career’s worth of judgment, hand it over piece by […]
- [Galway Specialty Wholesale expands executive team with six leadership appointments](https://www.insuracarelife.com/blog/galway-specialty-wholesale-expands-executive-team-with-six-leadership-appointments/): Joe Hayes steps up to president, Jencap Brokerage Division, a newly dedicated post overseeing Jencap’s transactional brokerage business, after most recently serving as the unit’s national casualty practice leader. Tom Murphy is promoted to office president and chief growth officer, Programs, tasked with steering the strategic direction of Jencap’s program management platform. Matt Dunn joins as executive vice president, Jencap Business Operations and Acquisitions, focused on tightening up Jencap’s internal operations while running the company’s acquisition pipeline.
- [Beyond price: Operational excellence as a growth strategy for MGAs and wholesalers](https://www.insuracarelife.com/blog/beyond-price-operational-excellence-as-a-growth-strategy-for-mgas-and-wholesalers/): Price alone no longer sets MGAs apart. As broker expectations tighten, carrier scrutiny increases, and distribution models grow more complex, managing general agents (MGAs) and wholesalers face a compounding challenge: the operational bar has moved. What was once considered back-office efficiency is now central to every relationship, every submission, and every renewal. For MGAs looking to scale, operational excellence has become the growth strategy.  This e-book, featuring insights from Tim Anders of IPS and Chirag Chokshi, cuts through the noise and examines what it takes to build an MGA operation that scales without breaking. It traces how manual workarounds quietly erode data quality, underwriting […]
- [Allstate names Christian Lown Chief Financial Officer](https://www.insuracarelife.com/blog/allstate-names-christian-lown-chief-financial-officer/): NORTHBROOK, Ill., July 14, 2026 – The Allstate Corporation (NYSE: ALL) today announced Christian (Chris) Lown as Executive Vice President and Chief Financial Officer, effective Aug. 3. Lown will report to Tom Wilson, Chair, President and CEO of The Allstate Corporation. “Chris’s leadership and capital markets expertise will enable us to continue increasing Property-Liability market share and expand protection provided to customers,” said Tom Wilson, who leads Allstate. “Allstate’s purpose, strategy and execution have led it to be ranked among the world’s best-managed companies,” said Lown. “I am thrilled to be joining this team.” With more than 25 years of senior […]
- [Insurers join push to open 403(b) plans to low-cost trusts](https://www.insuracarelife.com/blog/insurers-join-push-to-open-403b-plans-to-low-cost-trusts/): In a July 13 letter to Senate Banking Committee chairman Tim Scott and ranking member Elizabeth Warren, the group called on lawmakers to advance the Retirement Fairness for Charities and Educational Institutions Act (S.424/H.R.1310). The signatories include the chief executives of TIAA, Principal Financial Group, Prudential Financial, Pacific Life, Nationwide Financial, MetLife, Equitable, and Corebridge Financial. The list also includes Aon, Vanguard, T. Rowe Price, LPL Financial, State Street Investment Management, and Empower Retirement. Together, the signatories span asset managers, life insurers, and benefits industry groups.
- [Insurance moves: SWBC, World Insurance, Tokio Marine and Plymouth Rock](https://www.insuracarelife.com/blog/insurance-moves-swbc-world-insurance-tokio-marine-and-plymouth-rock/): Plymouth Rock appoints three to executive roles Plymouth Rock Assurance has made three appointments to its Independent Agency Group and enterprise leadership. Gavin McPhail joins as vice president and chief data officer, leading Plymouth Rock’s enterprise data strategy across underwriting, claims, risk management and customer operations, having previously served as executive vice president and general manager of risk intelligence at Fusable. Cornelius Young joins as vice president and chief claims officer for the Independent Agency Group, focused on operational excellence and accelerating data, analytics and AI across the claims lifecycle, joining from Cambridge Mobile Telematics where he was chief insurance officer […]
- [Staffing firm says Philadelphia Indemnity refused to defend labor-law class action](https://www.insuracarelife.com/blog/staffing-firm-says-philadelphia-indemnity-refused-to-defend-labor-law-class-action/): The dispute turns on one set of clauses. PeopleShare quotes the policy’s promise that the insurer “shall have the right and duty to investigate, defend, and conduct settlement negotiations, including selection of defense counsel, in any ‘suit’ seeking those ‘damages.'” A covered “wrongful act,” the policy says, is “a negligent act, error, or omission committed or alleged to have been committed by you or any person for whom you are legally responsible in the rendering of ‘staffing services.'” A broad endorsement defines those services as “services provided by a staffing company to their clients including but not limited to” a long list, per the complaint. The alleged […]
- [US and Canadian construction insurance are moving apart at the coverage level](https://www.insuracarelife.com/blog/us-and-canadian-construction-insurance-are-moving-apart-at-the-coverage-level/): The sharpest divergence in North American construction insurance is not at the pricing level – it is at the coverage level, and it is widening. US insurers have replaced London Engineering Group 3 clauses with proprietary wordings carrying stricter defect definitions, higher deductibles and embedded sublimits that reduce recovery on contractor-caused losses. In Canada, LEG3 coverage remains the standard, though legal disputes over the distinction between damage and defect have confined the market to the 1996 form rather than the updated 2006 version. For brokers advising on cross-border or large-scale construction programs, the gap between what a US and a Canadian […]
- [Macquarie-backed ERA picks first specialty niche with fire contractor buy](https://www.insuracarelife.com/blog/macquarie-backed-era-picks-first-specialty-niche-with-fire-contractor-buy/): The ISOA acquisition is analytically distinct from ERA’s prior deals. Fire suppression, sprinkler, alarm and security contractors carry a specific and complex liability profile: completed operations liability for systems that fail after installation, errors and omissions exposure where system design is involved, and in some cases professional liability for engineering work – a combination that regularly drives placement into specialty or excess and surplus lines rather than admitted markets. An agency that has spent 19 years building underwriting relationships and client trust in that specific niche holds a position that is difficult to replicate through scale alone, which is the commercial […]
- [Freeway Insurance adds California and Alabama franchises](https://www.insuracarelife.com/blog/freeway-insurance-adds-california-and-alabama-franchises/): Freeway, a division of Confie, now operates in 28 states and has expanded its franchise network by 174% over the past two years, with more than 75 locations sold. The latest locations and their owners are: Millbrook, Alabama, owned by Beontre Carter; Clovis, California, owned by Van Vasquez and Blanca Perez; Brentwood, California, owned by Stephen Paris; Pomona, California, owned by Marione and Joyce Llarena; and Galt, California, owned by Rafael Guzman Jr. The franchise opportunity carries a $25,000 initial fee, with a discounted $15,000 option for honorably discharged veterans.
- [Arch Insurance launches US transactional liability team](https://www.insuracarelife.com/blog/arch-insurance-launches-us-transactional-liability-team/): William Carson, senior vice president, transactional risk, will lead the team, reporting to Chris Christon, senior vice president, Executive Assurance. Carson joins from Everest and brings the broker and legal relationships the direct model depends on. He framed the underwriting proposition precisely: “They want an underwriting partner that can move quickly, understand transaction complexity and stand behind its commitments when claims arise. Our goal is to deliver a high-quality experience across the transaction lifecycle without sacrificing underwriting discipline.”
- [‘You're only as strong as your weakest link’: El Nino threatens more wildfire rampage](https://www.insuracarelife.com/blog/youre-only-as-strong-as-your-weakest-link-el-nino-threatens-more-wildfire-rampage/): El Nino: A rising threat in 2026 Looking at the perils regionally, there’s been an uptick in the number of wildfires in the Southeastern US this spring. As of mid-May 2026, US wildfires had burned nearly 1.9 million acres nationwide, with more than 25,500 fires recorded — significantly above the 10-year average of 17,713 fires and approximately 1,052,600 acres for the same period. Going state by state, Florida has been the hardest hit. Fires burned through nearly 120,000 acres so far this year, after the intensity and extent of drought ratcheted up starting in January 2026, according to NASA. But what’s […]
- [Everest Group appoints Craig Hanrahan as chief commercial officer](https://www.insuracarelife.com/blog/everest-group-appoints-craig-hanrahan-as-chief-commercial-officer/): Everest Group has named Craig Hanrahan (pictured) as global distribution and chief commercial officer, effective August 1, 2026, in an appointment that carries specific commercial timing. Average commercial P&C premiums across all account sizes fell 1.2% in Q1 2026, the first broad-based decline since 2017 and the end of a 33-quarter streak of increases, with 72% of brokers reporting increased property underwriting capacity, per the Council of Insurance Agents & Brokers’ Commercial P&C Market Index. On the reinsurance side, global reinsurance capital reached a record $785 billion at end of 2025 per Aon, while Guy Carpenter’s property catastrophe rate-on-line index fell […]

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